JAKARTA - The growth in the use of crypto assets in Indonesia continues to show a positive trend, with the younger generation, especially Gen Z and young millennials, being the main drivers of national adoption.
Based on the Indonesia Crypto & Web3 Industry Report 2025, as many as 93 percent of respondents are familiar with crypto assets, with more than half of them being Gen Z who actively make crypto a part of daily financial conversations in digital media and online communities.
In line with these findings, Tokocrypto's Business Development & Research Lead, Indriana, revealed that from the platform side, Gen Z showed different characteristics compared to previous generations.
"Gen Z tends to be more active and has a higher risk appetite. They are quick to make decisions, especially when they see opportunities from market trends. On the other hand, they are also beginning to show positive developments with increased literacy, such as asset diversification and more strategic portfolio management," he said.
The phenomenon of Gen Z's dominance in crypto adoption is also reflected globally.
The Protocol Theory study shows that young people in the United States have a higher level of trust in crypto than traditional financial institutions, with 22 percent of Gen Z trusting crypto more in safeguarding their assets, compared to only 13 percent of Gen X and 5 percent of baby boomers.
This preference is driven by the need for control, transparency, and access to digital assets.
Responding to this trend, Indriana, assessed that this pattern is also beginning to be seen in Indonesia, especially from the way Gen Z views asset ownership.
"Gen Z tends to want to have direct control over their assets and be more transparent in monitoring their movements. This is what makes crypto interesting, because it gives them a sense of control and access that they didn't previously get in the conventional financial system," he explained.
On the other hand, the World Economic Forum report also highlights that economic pressures such as stagnant incomes and rising living costs are driving some Gen Z to seek riskier investment alternatives, including crypto.
This shows that in addition to technological factors, economic conditions also play a role in shaping the investment behavior of the younger generation.
With a combination of technological and economic factors, Indriana emphasized that this trend needs to be balanced with the right educational approach.
"High interest needs to be balanced with a strong understanding. Without sufficient literacy, investment decisions can become too reactive to trends, not based on long-term strategies," he concluded.
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