Retail Crypto Use Doubles as Rules Clear Up, Says TRM Labs

Written by Aaron S.,

Editor-In-Chief

Last Updated: October 22, 2025

Key Takeaways

Retail crypto transactions more than doubled in 2025, driven by clearer global regulations and growing use for everyday financial needs;
In the US and Pakistan, supportive policy changes and better oversight encouraged broader public participation in crypto;
Even in regions with strict financial controls or bans, crypto adoption grew as people sought alternatives to traditional systems.

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Clearer cryptocurrency regulations have led to increased adoption among everyday consumers, according to a report by TRM Labs.

The company noted that crypto transactions have more than doubled between January and September 2025.

The report highlights that individuals are using crypto for practical purposes, such as sending money abroad, paying for goods and services, or protecting savings during uncertain economic periods.

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TRM Labs also points out that retail users are playing a bigger role in shaping how digital assets are used and adopted globally.

In the United States, the expansion of crypto activity was linked to a clearer regulatory environment, steady policy support, and broader market access. These factors have encouraged more people to join the ecosystem.

Pakistan has also seen an increase in crypto adoption. Support from lawmakers, the creation of the Pakistan Crypto Council, and plans for a dedicated regulatory body have all contributed to wider local use.

TRM Labs described this as "soaring grassroots adoption", fueled by supportive government actions.

The report also notes that crypto usage has expanded in countries with tight financial restrictions or even formal bans. In regions with strict capital controls and foreign exchange limits, digital assets have provided a workaround for individuals seeking access to global financial systems.

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