Exchange Ranking
Top Exchanges
24h Volume Ranking
Popularity Ranking
Exchange BTC Balance
Proof of Reserves
Decentralized Exchanges
Funding Rate
Funding Heatmap
Liquidation Data
Max Pain
Long/Short Ratio
Whale L/S Ratio
Binance/Okex/Huobi L/S
Bitfinex Margin L/S
ETF Tracker
Solana ETF
XRP ETF
Hong Kong ETF
Bitcoin Treasuries
Crypto Reversal
Ethereum Reserves
HyperLiquid Wallet Analysis
Hyperliquid Whale Watch
Large Transactions
On-chain Movement
Bitcoin ROI
Stablecoin Market Cap
Options Analysis
News
Articles
Economic Calendar
Features
Wallet
Contract Calculator
Security
Collections
Watchlist
Following一份最新的Coinbase报告显示，Z世代和千禧一代正在明显远离“存钱买房、长期理财”的传统路径，转而拥抱加密货币、数字资产和更高参与度的交易方式。随着比特币现货ETF普及、链上交易门槛降低，这代投资者更愿意亲自下场，通过加密市场获取流动性与机会。这种代际转变，正在悄然重塑未来的财富增长逻辑。
常见问题
● 什么是Coinbase的“投资的代际转变”报告?
这是由Coinbase委托、Ipsos Research进行的一项2025年第四季度研究，考察年轻和年长投资者的差异。
● 根据Coinbase，为什么年轻投资者倾向于非传统资产?
Coinbase研究人员表示，年轻一代感到被传统财富积累途径排除在外，并尝试探寻替代方案。
● 对于年轻投资者而言，加密货币在报告中有多重要?
Coinbase发现，年轻投资者持有加密货币的可能性是年长投资者的两倍，并在投资组合中配置了更多的加密货币。
● Coinbase认为这一趋势还会继续吗?
是的，Coinbase总结认为这种转变代表着未来投资者在市场上的一种持久变化方式。
Coinbase第四季度报告揭示美国加密货币投资习惯的显著转变
Coinbase’s Q4 2025 report focuses on the generational shift in investment behavior. The report cites a survey conducted by Ipsos Research, involving over 4,300 American adults. The study explores how younger investors are reshaping the market through their behaviors, risk tolerance, and asset preferences.
According to Coinbase researchers, younger generations increasingly believe that traditional methods such as stocks, home purchases, and long-term passive investments are insufficient for wealth accumulation. The report found that 73% of Generation Z and millennial respondents believe it is more difficult for them to accumulate wealth through traditional methods. This view is seen by Coinbase researchers as explaining why they are willing to explore alternative options.
Although the amount of stock held remains roughly similar across different age groups, Coinbase’s data shows that younger investors are more likely to seek returns beyond dividends. This drives them towards cryptocurrencies, derivatives, and emerging financial tools. Coinbase’s analysis also highlights significant differences in risk appetite. The report indicates that younger investors trade more frequently, use margin ratios higher, and generally expect returns of over 15%.
Coinbase's researchers noted that, compared to older groups, young investors conduct transactions nearly three times more frequently per week. This indicates that they approach the market in a more proactive and strategic manner. In terms of investment preferences, Coinbase states that young investors tend to rely more on self-directed and social-based information. They no longer rely on traditional financial planners; instead, they turn to friends, online communities, social platforms, and even AI tools to assist them in making decisions.
The report highlights a strong interest in copying and social trading practices, reinforcing Coinbase's belief that investing has become more participatory rather than delegated. Cryptocurrencies are said to be at the heart of this shift. According to Coinbase’s findings, young investors are twice as likely to invest in cryptocurrencies compared to older investors. Nearly half of them are interested in investing before the market becomes fully engaged in new crypto assets.
Coinbase’s researchers also noted that young investors allocate approximately 25% of their portfolios to unconventional assets, whereas older generations only allocate 8%. Looking ahead, Coinbase’s research suggests that this generational gap is not a temporary phenomenon but rather a structural change. Young investors are expected to play a greater role in the future financial system, both in terms of cryptocurrencies and unconventional assets.
