- Nexo says 67% of prosperous merchants agree with crypto, nevertheless integration stays low.
- Security, charges and platform complexity emerge as key boundaries to adoption.
- US merchants show conceal deepest crypto integration despite decrease possession charges.
Excessive-in discovering-price merchants are increasingly more shopping crypto, nevertheless many are aloof reluctant to provide it a valuable fragment of their lengthy-time period wealth plans, per a brand unusual Nexo stare.
The document found that 67% of prosperous merchants across the US, UK and Argentina already agree with crypto. Alternatively, security concerns, high charges and complicated platforms are stopping many from utilizing digital sources for retirement planning or replacing outmoded investments.
Nexo published its “Diagram forward for Digital Wealth 2026” document on September 23 after surveying 1,000 prosperous merchants. Its unusual Crypto Integration Index, which measures how deeply crypto is integrated into merchants’ funds, produced a median acquire of 4.83 out of 10.
Ownership outpaces deeper integration
Nexo stated a acquire shut to the stare practical of 4.83 represents a runt, short-horizon crypto dwelling out of doors retirement planning.
Most intelligent 4.7% of surveyed merchants scored seven or elevated, a level Nexo describes as structurally integrated, the acquire crypto has modified a outmoded asset and kinds fragment of longer-time period monetary planning.
The document found that goal trusty beneath 20% of respondents question crypto to turn out to be their number-one non-public wealth driver over the following decade, sooner than salary, equities and precise estate.
More than 40% are already invested in crypto with out but constructing wealth with it.
“As soon as an investor gets previous the threat notion stage, what’s left is security, charges, and platform consumer-friendliness and capabilities – the equal things we’ve spent years constructing Nexo to resolve,” stated Neil Steinhardt, COO, Nexo US.
That’s the gap between owning crypto and basically constructing wealth with it, and it’s precisely the acquire our platform is designed to meet merchants.
Integration additionally varies by market. Argentina had one of the best possession price at 74%, nevertheless a CII acquire of 4.62. The US had the bottom possession at 62%, nevertheless the deepest integration with a acquire of 5.07.
The UK recorded 65% possession and a CII acquire of 4.75.
Platform have confidence becomes the following hurdle
The document stated crypto integration peaks among merchants ancient 35 to 44, with 28% treating digital sources as a core retirement asset.
Traders ancient 18 to 25 reported one of the best possession and conviction, with bigger than 90% retaining crypto, nevertheless handiest 2% affirming a horizon of 10 years or longer.
Amongst structurally integrated merchants with CII scores of seven or more, reported frictions shift against platform have confidence. Security concerns had been cited by 36%, high charges by 34%, and platform complexity by 28%.
“Likelihood notion ragged to be the myth in every crypto adoption stare. It isn’t anymore,” stated Iliya Kalchev, analyst at Nexo.
In our recordsdata, threat notion barely separates merchants who’ve built precise wealth with crypto from of us who haven’t — what basically divides them is whether or now not they’ve substituted crypto for a outmoded asset and folded it into retirement planning. For prosperous merchants it’s the planning and the smoothness of working with that crypto that stays to be resolved.
The stare used to be fielded in February and March 2026 via Attest. Respondents wanted no less than $100,000 in liquid sources within the US and UK, or $40,000 in Argentina, thresholds calibrated to hold the head 25% to 30% of each market by investable wealth.
