Regulation, security, and education: the three pillars of strengthening crypto confidence

Explore how regulation, security, and education act as fundamental pillars for increasing user confidence in cryptocurrencies.

In a decisive year for the crypto ecosystem, the report Crypto Confidence Pulse 2025 reveals that Americans' confidence in cryptocurrencies depends on three key factors: clear regulation, robust security, and accessible education. 

Although only 20% of the US population uses crypto assets, according to data compiled by the report, interest in understanding them is increasing every day. 

The study, supported by the National Cryptocurrency Association and Harris Poll, provides a detailed snapshot of the obstacles hindering mass adoption and proposes concrete solutions to overcome them. This article analyzes the report's most significant findings and how they can transform the future of digital finance in the United States.

Regulation: The Framework That Defines Trust in Cryptocurrencies

The conversation about cryptocurrencies continues to grow in the United States, but with it comes a level of uncertainty that worries many. 

The report highlights that the 71% of respondents support comprehensive legislation to close legal loopholes and provide greater clarity on the use of cryptocurrencies. This citizen demand aligns with the recent presidential report “Strengthening American Leadership in Digital Financial Technology”, which proposes a regulatory framework to protect both consumers and markets.

According to the data, a lack of understanding about who backs crypto assets and how they are regulated creates distrust, as the 41% of respondents say they do not know which institutions are behind these digital assets.This uncertainty translates into limited adoption, because many potential users prefer to wait for a more stable legal environment.

The gap between citizens and legislators is also evident. 65% of Americans said they don't trust lawmakers to understand the real impact of cryptocurrencies on everyday life.This distancing is not minor and requires that regulation transcend the technical and be accompanied by clear communication, which explains precisely and transparently what each change or new regulation means for the common user. Trust is built with accessible information and open dialogue, the report notes. report.

Faced with these challenges, the United States has already launched several initiatives to create an explicit and functional regulatory environment. 

La CLARITY Act, for example, search precisely define the roles and responsibilities of each agency in the supervision of digital assets, to avoid confusion and overlaps. On the other hand, the Securities and Exchange Commission (SEC) has developed the “Project Crypto”, a program that seeks strengthen supervision of the crypto market and ensure that offers and transactions are transparent and fair. 

Furthermore, Michelle Bowman, Vice Chair for Supervision at the Federal Reserve, has spearheaded an innovative initiative that will allow Fed employees to hold cryptocurrencies for educational purposes, thus facilitating a practical and direct understanding of how this technology works in the financial system.

All of these efforts converge on a clear goal: to create a supportive, safe, and understandable environment so that cryptocurrencies can advance without fear and with the confidence of all stakeholders, from investors to regulators and end users.

Security: the protection that crypto users demand

Security remains a major concern for those who have yet to adopt cryptocurrencies. In fact, 43% of respondents said they avoid using them for fear of fraud, theft or irreversible loss.. 

The report also reveals that the 73% of Americans support stricter measures to protect those who invest in, store, or use crypto assets. This demand not only points to the need for best practices in platforms and wallets, but also to the creation of security standards that can be audited and communicated transparently.

Institutional legitimation, such as approval of Bitcoin and Ethereum ETFs, has contributed to improving the perception of security. However, there is still a long way to go before users feel their assets are protected against operational and legal risks. The report emphasizes that security must be understood as a digital right, not as the sole responsibility of the user.

In this regard, the United States has made progress in addressing these concerns. At the regulatory level, federal authorities are working to establish frameworks that promote transparency, strengthen platform oversight, and foster international cooperation to combat fraud and cyberattacks.

Education: The bridge between curiosity and final adoption

One of the most revealing findings of the report is that the 49% of those who do not use cryptocurrencies say they do not understand how they work.This lack of technical and conceptual knowledge represents the main barrier to mass adoption. However, it also opens a window of opportunity: 42% believe that clearer rules and proper education would improve their personal finances..

Faced with this challenge, the National Cryptocurrency Association has taken action by launching educational programs that seek to debunk myths and offer accessible training for all. These are no longer just introductory courses, but more comprehensive initiatives, including specialized university programs such as those promoted by the University of Cincinnati, which position training as the basis for generating trust in this emerging ecosystem.

Furthermore, institutional recognition is increasingly strong. For example, the House of Representatives officially designated the “Cryptocurrency Week”, Underscoring the importance of crypto education as a public policy to support this transformation. With all this, what's clear is that the combination of technical training, financial literacy, and institutional support can transform mere curiosity into lucid and responsible adoption.

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A latent opportunity in the remaining 80%

Although only 20% of Americans use cryptocurrencies today, there is one fact worth highlighting: within the 80% who have not yet adopted them, there is a considerable group that shows interest and curiosity in learningThis segment represents fertile ground for the growth of the crypto ecosystem, as long as it is provided with clear, educational, and, above all, secure tools.

The objective of this report is to highlight that the use of cryptocurrencies is evolving rapidly, expanding beyond the simple exchange of digital assets. Today, many people use them to everyday payments, smart savings and to take advantage of new disruptive technologies such as artificial intelligence. In fact, more than a third of active users already use cryptocurrencies in daily applications, which shows that this is not just a passing fad, but a well-established trend.

Therefore, the key to definitive adoption lies not only in how many people adopt these technologies, but in how they do so. Quality is essential and, to achieve this, it is necessary that users are informed, protected and empowered. If these are balanced three pillars, regulation, security and educationThe United States has the potential to lead a new era in digital finance, based on trust and inclusion. And precisely to advance in this direction, the country has intensified its regulatory efforts. 

Through clearer and stronger legal frameworks, it seeks to protect both users and investors, creating a transparent environment that reduces potential risks. Thus, while education and outreach encourage more people to use cryptocurrencies with knowledge, regulatory reinforcement is emerging as an essential pillar for this adoption to be safe, reliable, and sustainable in the long term.

Along this path, the United States aims not only to increase the number of users, but also to build a mature, inclusive, and resilient ecosystem.