A contractor finishes a job on Friday. The crew wants to get paid, customers want to settle invoices, and business partners want access to money over the weekend.

These are ordinary business problems, happening on a regular basis. But the tools available to help solve them are changing.

More than 67 million Americans now hold crypto—that’s one in four Americans, up from one in five adults last year, according to our new report. That growth is beginning to show up where you might not expect: on job sites, in family-run businesses, and in day-to-day trades operations.

We found that construction workers account for 13% of U.S. crypto holders who are employed full-time. And among construction workers who hold crypto, 37% also accept it as a form of payment.

That suggests that some Americans are beginning to treat digital assets as a business tool. For people who make their living building, fixing, and running their own businesses, that shift makes intuitive sense.

Tradespeople tend to understand ownership in a tangible way. You own your tools, your truck, your customer relationships. You may even own the company itself.

Money has historically worked differently. It has generally lived in a bank account. It moves through financial institutions and is accessible based on the institution’s hours and systems.

Crypto changes that architecture. It gives people another way to hold and move money digitally, with 24/7 access. That doesn’t make crypto inherently better than a bank account or a credit card, or even cash. It transforms crypto into a business tool—and the value of any tool depends on the job you need it to do.

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