According to a recent study by CEX.IO, the recent downturn in the cryptocurrency market has forced more than one in three cryptocurrency traders to cut back on their daily spending.
The questionnaireconducted among 1,100 lively US CEX.IO users, shows that the current market crisis is straining household finances, although it remains less severe than in 2022, when the price of Bitcoin fell by about 75% from its peak. Bitcoin is still about 40% below its October 2025 high, leaving many retail investors with unrealized losses.
36% of respondents said they had reduced their daily spending as a direct result of market conditions, and 10% described these cuts as significant sacrifices made to maintain their position. 37% also reported delaying or canceling purchases due to cryptocurrency losses, including 21% who postponed major financial commitments such as buying a house, car or undertaking renovations.
“The 2025-2026 bear market did not cause the kind of systemic shock seen in previous cycles (at least for now), but its effects seem to appear more calmly at the household level,” he added. CEX.IO he wrote.
Related: Cryptocurrency market sentiment reaches its highest level in 3 months
Cryptocurrency traders are dealing with the crisis themselves
The study found that many traders are coping with the downturn in relative isolation. Only 5% said someone else knew the full extent and value of their holdings, while most either shared restricted information or kept their position completely private.
Financial stresses are also perceptible in cash flow trends. While 77% said they had not incurred cryptocurrency debt, 38% reported some form of financial disruption since October 2025. A quarter said they had relied on savings to stay stable, and 12% admitted to missing or delayed payments.
Despite this, most respondents did not radically change their plans. Nearly half said cryptocurrencies account for more than 30% of their investable assets, however, 73% said their approach to earning income remains unchanged.
Looking ahead, a total of 79% said they plan to maintain or boost their positions over the next six months.
Related: Bitcoin price may fall below 70,000. dollars despite the strategy’s recent huge BTC purchase
Cryptocurrency offers shape bank choice
Another survey conducted earlier this week by Börse Stuttgart Digital found that cryptocurrency services are starting to influence the way European investors choose their banks, with 35% saying they would consider switching institutions for a better cryptocurrency offer.
The survey of around 6,000 investors in Germany, Italy, Spain and France also found that almost one in five expect their main bank to provide access to cryptocurrencies within three years, indicating a gradual shift towards the integration of digital assets into mainstream banking.
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