PwC Warns of Uneven Global Crypto Expansion in 2026 Report

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Written by Aaron S.,

Editor-In-Chief

Last Updated: January 23, 2026

Key Takeaways

PwC says crypto adoption is spreading globally, but at very different speeds depending on each region’s economic and financial setup;
Local factors like banking access and economic stability shape how people and businesses use digital assets worldwide;
Institutional use of crypto in the US is growing fast, but future policy changes could influence market confidence.

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PwC Warns of Uneven Global Crypto Expansion in 2026 Report

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PricewaterhouseCoopers (PwC) has reported that cryptocurrency use is growing worldwide, but not evenly.

PwC wrote in its Global Crypto Regulation Report 2026, “While crypto networks are borderless, adoption is not. Payments, remittances, savings, capital markets, and tokenization use cases are emerging unevenly across regions".

According to PwC, the pace of growth depends on local conditions, including the economy, access to banking, and the strength of financial systems.

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These differences shape how people and businesses use digital assets, which form what the firm calls a “fragmented global ecosystem".

In some places, crypto helps users send money across borders. In others, it provides new tools for saving, investing, or building capital markets.

The United States has recently seen faster growth, PwC noted. Supportive policies under the Trump administration have given companies confidence to develop products linked to cryptocurrencies and stablecoins.

The firm added that institutional involvement has reached a point where it cannot easily be reversed. PwC said, “Banks, asset managers, payment providers, and large corporates are embedding digital assets into core infrastructure, balance sheets, and operating models".

However, PwC also pointed out a possible challenge ahead. While current US leadership supports clearer rules for crypto, some analysts believe that a future administration less open to digital assets could affect how large institutions view the market.

Recently, PwC decided to grow its cryptocurrency services following signs of clearer regulations in the United States. What did Chief Executive Officer Paul Griggs say? Read the full story.