From institutional giants in the U.S. to grassroots adoption across Asia and Latin America, crypto usage has expanded across nearly every income bracket, signaling a new phase of global integration.

The index, which ranks 151 countries, combines data from centralized exchanges, decentralized finance (DeFi), and institutional transfers. Scores are weighted against purchasing power, population size, and transaction types, creating a picture of how everyday users, retail investors, and large-scale institutions interact with crypto.

India Leads, U.S. Climbs Higher

India secured the top spot for the third consecutive year, with activity spanning retail, institutional, and DeFi channels. The U.S. advanced to second place, buoyed by regulatory clarity and surging inflows into spot Bitcoin ETFs, while Pakistan, Vietnam, and Brazil rounded out the top five.

Asia Pacific stood out as the fastest-growing region, with transaction volumes soaring 69% year-over-year to $2.36 trillion. Latin America followed closely with 63% growth, fueled by a mix of remittance usage and institutional entry. Even Sub-Saharan Africa, where crypto often serves as a lifeline for payments, posted 52% growth.

Methodology Evolves with the Market

This year’s index underwent two major changes. Chainalysis dropped its retail DeFi metric, noting that activity there represents a much smaller share of total usage than previously assumed. At the same time, a new institutional activity sub-index was introduced to capture the rising role of hedge funds, custodians, and asset managers, with any transfer above $1 million falling into this category.

According to Chainalysis, these adjustments better reflect the balance between grassroots adoption and top-down institutional flows, offering a more accurate snapshot of how crypto has matured.

Eastern Europe Tops Population-Adjusted Rankings

When measured against population, the leaderboard looks very different. Ukraine, Moldova, and Georgia ranked highest, highlighting regions where crypto has become a practical alternative to unstable banking systems or inflation-prone currencies. Chainalysis pointed to distrust in traditional institutions and strong technical literacy as key drivers in Eastern Europe’s grassroots surge.

Stablecoins Dominate, But New Players Emerge

Stablecoins remain at the center of the digital economy, with Tether (USDT) and USD Coin (USDC) processing trillions in monthly volume. Yet smaller players are catching up. Circle’s euro-backed EURC expanded nearly 90% month-over-month over the past year, driven by Europe’s MiCA framework. PayPal’s PYUSD also gained traction, showing the growing appeal of highly regulated alternatives.

Mainstream finance is embracing the trend. Visa, Mastercard, and Stripe are now integrating stablecoin payments into traditional rails, while banks like Citi and Bank of America are exploring their own digital currency offerings.

Bitcoin Still the Gateway

Despite the diversification of crypto assets, Bitcoin continues to dominate fiat on-ramps. More than $4.6 trillion in fiat purchases flowed into BTC between July 2024 and June 2025, dwarfing other categories. South Korea stood out for its more diversified entry mix, while Europe and the U.K. leaned heavily on Bitcoin as the primary gateway.

Adoption Reaches Across All Income Levels

Chainalysis’ data shows adoption rising in lockstep across high-income, middle-income, and emerging economies. In mature markets, institutional infrastructure is driving inflows, while in developing regions, stablecoins and remittances provide critical utility.

The only exception lies in low-income nations, where adoption has proven more volatile, often disrupted by policy shocks or infrastructure limitations. Still, the broader trend points to crypto becoming a global phenomenon — one no longer dominated by speculation alone, but increasingly tied to real-world use cases.

The information provided in this article is for informational purposes only and does not constitute financial, investment, or trading advice. Coindoo.com does not endorse or recommend any specific investment strategy or cryptocurrency. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions.

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Filed under: Bitcoin - @ September 3, 2025 7:16 pm