What is the stopping crypto payer from take off? State 2025. The Onchain UX report offers clues

Even with stallecoins that rise and Fintech Giants jumps, Cripto payments remain secondary use. The state of Onchain UKS from 2025. Years shows what this service provider is maintained.

As users actually use crypto

While the CRIPTO moves further into everyday use, experience in interaction with tools on the chain becomes as important as tools themselves.

The State of Onchain UX reports, published by support for the support of Nansen AI, views in detail about how people actually use coatings, applications and services on the chain and what it looks like today.

The report authorizes data from 1,038 active CRIPTO users in the United States and in the UK, surveyed between 19. and 26. February. More than half of the participants (51%) was from the US and the rest of the UK

The small majority are men (59%), and most of the respondents fell in the age group of 18 to 34, with smaller, but consistent represented by the new brackets. Only 17% are considered beginners, while 43% had more than two years of active crypte experience.

Participants also identified ways in which they used CRIPTO, with the most common categories, including merchants (56%), users (45%), and those who use the crypto for actual payments or transactions (47%).

In addition to the survey data, the report contains the use of infrastructure from RevN and ValletConnect, as well as transaction analysis on banknotes from Nansen.

We explore these findings in depth, to understand where users are today, and how developers, platforms, platforms and infrastructure providers may better support the growing choice of participants in the chain.

Multi-wallet Use is a new norm

For most users wallet is their first point of contact with the world world chain. In these, how people are stored, access to applications, transactions on the sign and manage identity.

Report 2025. The year shows that the adoption of the wallet is constantly growing in the regions. Europe Recorded the highest rate of new creation of wallet last year, while Asia LEDs in the actual wallet connection growth.

In comparison, activity in northern and South America remained low, greatly due to the teaching of regulatory uncertainty in countries like Us.

The use of multiple wallets has increased. Today, 62% of participants relies on two or more wallets. The most common reasons are access to different chains (48%) and care for safety (44%), both of which have increased since the previous year.

Among users with more than two years crypto experience, more than half reported using exchanged wallets such as Stage and Coin.

The entrusted wallet, Metamas and phantom and phantom also ranked at high, suggesting that users with deeper exposed tools on the chain tend to hold the brands they know well.

Mobile banknotes remain the most desirable option, with more than half of users identifying them as the primary interface. However, this preference saw a small decline compared to last year.

Hardware wallets, once limited in the complaint, have acquired a modest towing, especially among those who describe themselves as experienced or security.

Social wallets saw growing awareness and experimentation, but long-term use remains low. The main concerns include limited control, lack of confidence in their safety and poor interoperability with other Daps or chains.

Through all types of wallets, users consistently quoted a similar set of needs. They include lower transaction fees, wider support for tokens and chains, simpler design and better protection against fraud.

More users feel confident in the safety of the wallet than they used to work in a year. Despite this, concerns about writing and blind signing are still standing out.

One chain no longer reigns

Recently, most blocks had aims to do everything. Today that image moved. The report emphasizes a growing trend towards specialization, with different chains that focus on various functions, not compete in the same use cases.

Ethereum (El) still serves as a basic layer of settlement. Processes the largest transaction volume and supports a wide range of applications across Decentralized funding, NFTSand infrastructure.

Solana (Salt), in contrast, positioned itself as a leading network for high-frequency activities. It is used widely for memecoins, the token launches and quickly search for a large extent due to its speed and low transaction costs.

Data Nansen reinforces this difference. While Etherum wallets have a medium age of 123 days, average saltworks on average only 51 days. This gap suggests faster customer traffic on Solana, guided by short-term trading by experimenting and high speed, especially through platforms like pump.fun and Jupiter.

BaseThe layer network 2 supported coinbass, appears as an innovation hub. The activity of wallet based on covers combination of experimental applications and communal crossing services. Its momentum is also visible in metric meters in the chain, with revenue from fees increasing more than 460% of processors.

However, this growth has not yet been translated into the usual use. Only 10% of respondents have identified LANCE LANDS 2 as its most useful platform, indicating the constant influence of knowledge and network effects in the formation of user behavior.

BNB chain (Bnb) offers a different model. His activity remains closely related to binantic ecosystem, with most users relies on the exchange and cost of trade.

The wallet data show that the BNB chain users behave less, more frequent transactions and interactions with fewer third party applications. Although this limits flexibility, it is attracted to users who value speed and economy on varieties.

One topic appears clearly. Most users are no longer loyal to one chain. Instead, they choose networks based on purpose, using different chains for different tasks. This shift also explains all greater reliance on several wallets.

When asked how important compatibility in the transverse chain was their website, over 80% of users rated it or something or somewhat important. Only 5% said it didn’t matter at all.

The use is expansion but the favorites are still narrow

The user behavior on the chain continues to center around several basic actions. Trading remains dominant activity, even as many users express a long-term interest in areas such as paying, playing and decentralized social tools.

Bitcoin remains the most common token, with 64% of respondents, including in their portfolio. StableCoins has seen strong adoption, and the property has been risen with 20% last year at 37% in 2025. years. Memecoins also gained popularity, especially to newer chains like Solana.

Despite growing interest in practical applications, actual data on preferences tell a different story. When users are requested to name their favorite chain activity, only 12% of selected payments, and only 3% selected management. Trading and speculation continues to dominate the engagement of users.

The defect remains calm, but it is limited as desired. While 45% of participants said that in the last three months they interacted through activities such as putting, lending or liquidity mining, only 8% appointed it as their top case.

Through segments of users, the Degens were most active in Definiti. Interesting that the newborn ranked the second in participation, suggesting that newer users are investigating which will be advocated and yields of tools in the early in their crypton journey.

NFTS has developed in function and perception. An increasing number of users now consider them less speculative assets and more as well as collectibles or tools for participation. However, only 19% of NFT collectors appointed activities related to NFT as their favorite part in the chain.

Management remains an area with low engagement. Only 6% of users reported to participate in voting in the last three months, and only 3% quoted management as the desired activity.

The property of the tokens and the use of the platform also differ in relation to age groups. Older users are more likely to keep Bitcoin, and the property reached 74% among the participants older than 55 years and older. Younger users, especially those between 18 and 34, are more drawn to tools related to saltworks, NFTS and defi.

Self-confidence is up, as well as fraud

Security remains one of the most critical factors that shaped how users communicate on the chain. Trust has been improved, with 69% of users now says that they feel safe when using CRIPTO products and services. This signifies a clear increase of 50.5% in 2024 years. Years.

At the same time, the phishing attacks increased. Last year, 14.4% of users reported to be affected. This number climbed at 21% in 2025. years.

The increase in reported incidents suggests that although CRIPTO tools improve, security threats are developed as quickly. Many users continue to approve transactions without fully understanding the risks involved.

Blind signing remains widespread, even how new functions are introduced to be more transparent for details on transactions. The interfaces such as clear signing receive attention, but adoption remains limited.

Most users believe that banknotes and applications do not work enough to protect them. Only 35% believe that existing platforms offer adequate security. In contrast, 56% needed to think stronger protective measures, and 6% say protection should not be the liability of the platform at all.

This gap between the perceived safety and real outcomes emphasizes the unresolved issue. Users can feel more secure, but data does not show appropriate improvement in the real world of protection.

Hardware Wallets have seen a renewed interest, especially among more experienced users. However, they continue to represent a small part of the total use of the wallet. Social and mobile banknotes are still more popular, although they exhibit users on higher risks of false and malicious smart contracts.

There is also a generated division also exists. Older users tend to be more sensitive and more selective in their tools. Younger users are mostly more open to adopt new interfaces, even when they carry higher risk.

Cripto has to feel effortless

Payments remain one of the most frequently discussed use of use in cryptou, but the actual behavior does not always reflect that enthusiasm. While 54% of users said they used cripto to buy goods or sending funds, only 12% of the mentioned payments as their favorite activity on the chain.

Stablecoin The adoption has almost doubled, increasing 20% ​​to 37% in the last year. This growth suggests the growth of demand for reliable, low estability instruments, especially for cross-border and peer-to-peer transfers.

Companies also invest. Companies like a stripe, PaypalAnd Pacakos build crypto payment infrastructure in their services, extending the range of chain transactions in traditional trade.

Despite this swing, key barriers persist. High fees, bad user experience and inconsistent application quality continue to create friction. Interoperability issues often require users to juggle multiple wallets and manually crossing between networks, leading to frustration even among those pleasant with cripto systems.

The infrastructure improves, but it remains far from seamless. Many applications continue to dry and fund new wallet, which often involves several steps that can introduce confusion or added costs.

There is also a clear geographical division. In regions with unstable currencies or limited access to banking, crippto payments offer tangible advantages.

In the meantime, in the United States and the UK, where most survey participants have been based, traditional payment systems are often faster and cheaper for everyday use. As a result, crippto payments usually serve as a backup, not the primary option.

All in all, progress is visible, but friction remains high. For a chain utility to the rival traditional finances, it must travel news. It must offer consistency, speed and beneficiaries of simplicity already expect.