Whether Bitcoin and other cryptocurrencies have currency status or are predominantly perceived as a store of value is still a debated topic on a financial and institutional level. Bitcoin’s status as legal tender in El Salvador and rumors of Amazon’s possible acceptance of Bitcoin by the end of the year have accelerated what appears to be a natural transition. The crux for traders is the high volatility of cryptocurrency prices, which however does not seem to worry consumers. A report prepared by CryptoRefills provides us with insight into the habits and profile of crypto-shoppers. The Dutch fintech startup, with an Italian heart like its founder and CEO Massimiliano Silenzi, analyzed the spending habits of its users, giving us a picture focused on the consumer side. In fact, CryptoRefills offers its users the opportunity to purchase and top up telephone credit and buy gift cards by paying directly in cryptocurrencies (accepts Bitcoin, Etehreum, Litecoin and stablecoin, among others). CryptoRefills is the author of the first global research on the consumer-side adoption of cryptocurrencies for the payment of goods and services. What crypto-shoppers have in common is age: they are all or almost young, mainly men under 35. Change much instead the socio-economic extraction, which also brings with it significant differences in the motivation behind their choice to use cryptocurrencies for purchases. The percentage of users from rich economies have a medium-high level of education, a fairly high income, and have often been exposed to the blockchain for work and study purposes, or approaching trading, and thus learning to know and appreciate its mechanisms. On average, however, the crypto-shopper’s income is around 20 thousand dollars a year, if not less, and it is interesting to note that over a fifth of users come from the most fragile economies, often belonging to the underbanked category, with limited access to current accounts and credit cards. The choice of crypto here is part of a path of financial inclusion, a solution to feel part of the global economy and disengage from a local currency with high inflation rates. The interest in the daily use of cryptocurrencies is also strong in migrants, who have access to a “universal” currency and greater ease in sending money to the country of origin. Most users who buy with cryptocurrencies do so regularly, 35% every week, and another 40% at least once a month. The vast majority, without exception, prefer Bitcoin (78%), and 63% of the total. finds it easy to use cryptocurrencies to make purchases, even though half of CryptoRefills users complain about limiting their use due to the difficulty, outside the platform, of finding stores that accept them – problem to get around using cryptocurrencies to buy giftcard to be converted with the desired goods and services. Another node that causes some obstacles are transaction fees and delays in payment processing due to congestion of blockchain networks. However, obstacles that do not prevent us from being optimistic about mass adoption: 72% of the participants in the research are convinced of this. “At the moment, despite the total capitalization of cryptocurrencies is around 1.4 trillion dollars”, comments the CEO by CryptoRefills Massimiliano Silenzi, “there are still very few ways to transfer this value into everyday life. With this research, which we have chosen to make available for free worldwide, we hope to help accelerate both technological and mental innovation to increase the interaction between the crypto and the real economy ”.
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