Yigit Taha OZTURK 
Despite Bitcoin‘s growing popularity, the percentage of individuals holding BTC worldwide remains remarkably low. Experts say this leaves plenty of room for the cryptocurrency’s future growth.
Bitcoin Ownership Still in Early Stages!
As of 2025, only 4% of the world’s population owns Bitcoin (BTC). The United States has the highest concentration of Bitcoin holders, with approximately 14% of individuals in the country owning BTC.
According to a research report published by River, a BTC financial services company, North America leads in Bitcoin adoption rates among both individual and institutional investors. In contrast, Africa has the lowest adoption rate, with just 1.6% of the population holding BTC.
In general, Bitcoin adoption tends to be higher in developed regions compared to developing ones. River’s data indicates BTC has reached only 3% of its maximum adoption potential. This signals that the digital asset is still in the early phases of global adoption.
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The company arrived at the 3% figure by calculating Bitcoin’s total addressable market, which includes governments, corporations, and institutions. Among this group, Bitcoin’s share is estimated at only 1%.
The report also emphasizes that institutional investment is still insufficient and individual ownership rates remain low.
Although Bitcoin has made significant progress since its early cypherpunk days and was recently recognized by the U.S. government as a strategic reserve asset, many barriers remain to mass adoption on a global scale.
Developing Countries Turn to Stablecoins
High price volatility disproportionately impacts residents in developing nations. As a result, many individuals prefer U.S. dollar-pegged stablecoins due to their low transaction fees and relative stability compared to other cryptocurrencies.
During the White House Crypto Summit held on March 7, U.S. Treasury Secretary Scott Bessent announced that stablecoins would be used to maintain U.S. dollar hegemony and protect its status as the global reserve currency.
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