Report reveals Baby Boomers are now jumping at crypto with whopping 723 per cent surge
They might already own most of the housing, but now new data has revealed where else baby boomers are throwing massive amounts of cash.
Wild new figures released today have revealed a massive investing myth is being shattered.
Not long ago, crypto investing was viewed as the province of hoodie-wearing coders and risk-adverse twenty-somethings. But a lot can change in a few short years, especially as the disposable income for young Australians dries up under inflation.
Australia’s crypto demographics have shifted rapidly, with older Australians now among the leading adopters of digital assets, according to BTC Markets’ latest 2025 Investor Study Report.
The study, which draws on trading data and a national survey, paints one of the clearest pictures yet of how Australians are trading and planning with crypto.
Outgoing BTC Markets CEO Caroline Bowler said investor confidence had solidified amid recent booms.
At the time of writing, Bitcoin sits at A$185,133, just short of its new high of $187,685 reached on Sunday.
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“Our report shows Australians increasingly view digital assets as a long-term strategy. Businesses, institutions and private investors are actively exploring practical applications, and with clearer regulation on the horizon, the sector is poised for meaningful development,” she said.
Aussies aged 60 and above have recorded a whopping 723 per cent surge in initial deposits and a 93 per cent rise in daily trading activity over the past year.
“These aren’t speculators chasing the latest trend, they’re retirees with capital, intent and a strategy. What we are seeing is thoughtful, deliberate engagement with digital assets,” Ms Bowler said.
The report also found women entering the market with larger deposits than men for the first time in five years, with average initial deposits rising 115 per cent year-on-year. While men still account for 78 per cent of daily trades, women achieved 35 per cent portfolio growth, nearly matching the 38 per cent growth among men.
“Women are entering the market with intent, bringing larger deposits, making fewer trades, and seeing steady returns. It’s a considered approach and helping mature the entire ecosystem,” Ms Bowler said.
The report also shows how self-managed super funds are also jumping on the bandwagon. Registrations on the BTC Markets platform climbed 69 per cent year-on-year, with trading volumes up 151 per cent.
Bitcoin, Ethereum and XRP made up more than 77 per cent of allocations, while average portfolio values rose by 46 per cent.
“SMSFs are operating with the discipline of institutions – executing larger trades, applying structured diversification, and taking a long-term view,” Ms Bowler said.
The average value of all trades rose 25 per cent. In comparison, daily trades increased 17 per cent, suggesting investors are allocating more capital with greater intent as confidence in crypto continues to grow. While Bitcoin has remained the most popular global asset, other previously labelled “fringe coins” are now also riding the wave.
XRP overtook Bitcoin as the most traded asset for the first time in five years, while Solana volumes also spiked 69 per cent.
Despite the surge in adoption, Australia still risks falling behind when it comes to regulation.
There have been massive milestone moves in the US, with Donald Trump positioning the nation as a global crypto leader with new legislation and even a national crypto reserve.
The UK, Hong Kong, Abu Dhabi and Dubai have also pushed ahead with frameworks.
The report predicts banks and funds will play a bigger role in bringing crypto to everyday Australians. Internationally, giants such as Goldman Sachs, JPMorgan, and Standard Chartered are expanding digital asset services. Locally, AMP became the first super fund to invest in crypto via Bitcoin futures.
“Digital assets are no longer fringe, they are becoming part of the financial mainstream. We are seeing real momentum in retail-facing crypto products across superannuation and banking. By 2026, Australia’s major financial institutions will be offering crypto to everyday investors.”
