In 2025, with more regulatory clarity and greater institutional adoption, crypto is becoming more and more ubiquitous. Digital assets have emerged as a strategic asset class, reshaping how millions of Americans invest, save, and plan for their future. With headlines dominated by stories of portfolio growth, broader adoption, and once-in-a-generation opportunities, a growing number of investors are asking the same question: “Can I afford to sit this out?”
Who Hasn’t Added Crypto to Their Portfolio in 2025?
Crypto is now owned by everyone from white-collar professionals to blue-collar workers. According to the National Cryptocurrency Association's (NCA) 2025 State of the Crypto Holders Report, more than 55 million U.S. adults now own cryptocurrency. To put it into perspective, that is roughly 1 in 5 Americans. Although younger generations may lead the charge, ownership has been cutting across all ages, income, and industry.
Why Crypto Is Now a Part of Investment Portfolios?
Institutional and regulatory support
In 2024, the Securities and Exchange Commission approved spot Bitcoin and Ethereum ETFs, giving traditional finance investors an accessible point into the digital asset market. Crypto exchange Coinbase joined the S&P 500, while stablecoin issuer Circle went public, adding even more credibility to the industry’s most visible players.
Meanwhile, political momentum is building. The Trump administration reversed the 2022 Labor Department memo discouraging 401(k) access to crypto. The new tone from policymakers puts a shine on the crypto industry, rather than being pushed to the sidelines.
On August 7, 2025, President Trump signed an executive order that aims to make it easier to include alternative assets like cryptocurrency inside 401(k) and related employee retirement plans. Based on the most recent data from the Investment Company Institute (ICI), as of March 31, 2025, 401(k) plans in the U.S. held $8.7 trillion in assets.
Rising trust in Crypto
NCA’s 2025 study, conducted in partnership with Harris Poll, also reveals that 76% of crypto users now trust digital assets as much or more than traditional banks. That’s a dramatic leap from just a few years ago and highlights the growing sense of legitimacy around crypto assets.
Even long-term financial experts are rethinking their stance. Famed financial advisor Ric Edelman once recommended just a 1% allocation to crypto in 2021. Today, he suggests that allocation should range between 10% and 40%, citing the sector’s outperformance over the past 15 years.
Security, Access, and Simplicity Are Powering the Growth of Crypto
For cryptocurrency to become a truly established asset class, it must be as easy to access and easy to custody or store securely.
Today, some of the most widely used methods for accessing crypto, such as exchanges or self-custody, expose users to risks they may not fully understand. People shouldn’t have to lose their savings to hacks, lost keys, or platform failures. For crypto to truly evolve, it needs stronger infrastructure, safer custody solutions, and tools built for long-term trust.
In 2025, that vision is finally becoming reality. Premium Custody Account (PCA) offers a secure, user-friendly way to buy, sell, and store crypto 24/7 outside of a retirement account, without the risks associated with self-custody or reliance on centralized exchanges.
Unlike traditional crypto exchanges, where assets can be moved to external wallets by users or exploited through unauthorized access, the Premium Custody Account (PCA) operates within a closed-loop system. With no external wallet connections, it helps mitigate the risk of funds being drained from a compromised account.
With iTrustCapital’s closed-loop system, your USD and crypto assets are secured by:
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US-based, bank-regulated, third-party custodians
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Crypto assets are stored within a fully secure, audited, and regularly stress-tested institutional environment using Cold Storage, MPC, and HSM
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By design, crypto withdrawals from PCA accounts to external wallets are not permitted at this time; this helps mitigate the leading cause of asset loss and fraud from bad actors
You no longer need to depend on insecure exchanges, manage cold wallets, or memorize complex seed phrases. This offers a streamlined, secure experience that eliminates outdated obstacles and welcomes a wider range of crypto investors.
Crypto Portfolios Are Here to Stay
Crypto portfolios are for everyone, and they're here to stay.
As the industry moves further into the mainstream, access must be simple, secure, and built for everyone. That’s exactly what iTrustCapital offers through its closed-loop system. Whether you’re just getting started or expanding a diversified portfolio, iTrustCapital empowers you to take control of your financial future with confidence.
If you’re ready to build your crypto portfolio, open a Premium Custody Account with iTrustCapital!
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Disclaimer
This article is for informational purposes only and is not intended to constitute investment advice in any way or constitute an offer to buy or sell any digital asset, cryptocurrency, or security or to participate in any investment strategy.
iTrustCapital is a fintech software platform for alternative assets. TrustCapital is not an exchange, funding portal, custodian, trust company, licensed broker, dealer, broker-dealer, investment advisor, investment manager, or adviser in the United States or elsewhere. iTrustCapital is not affiliated with and does not endorse any particular digital asset, precious metal or investment strategy.
Investing in any digital asset or cryptocurrency (including meme coins) carries significant risks due to their speculative and highly volatile nature. Past performance is not an indication of future results. No investment is completely risk-free, and every investment carries the potential for losing some or all of the principal amount invested. Digital assets and cryptocurrencies are not legal tender backed by the United States government, nor is it subject to Federal Deposit Insurance Corporation (“FDIC”) insurance or protections. Clients do not receive a choice of custody partner.
Investors assume the risk of all purchase and sale decisions. iTrustCapital makes no guarantee or representation regarding investors’ ability to profit from any transaction or the tax implications of any transaction. iTrustCapital does not provide legal, investment or tax advice. Conduct your own research and consult with a qualified legal, investment, or tax professional to assess your own risk tolerance prior to investing.
iTrustCapital makes no representation or warranty as to the accuracy or completeness of this information and does not have any liability for any representations (expressed or implied) or omissions from the information contained herein. iTrustCapital disclaims any and all liability to any party for any direct, indirect, implied, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this information, which is provided as is, without warranties.
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