Cryptocurrency adoption in Poland is no longer a fringe phenomenon — it’s becoming part of everyday life. What was once a dry tale of regulations and market stats is now a vibrant story of young investors, visionary founders, and evolving laws.
Sometimes dubbed the “Phoenix of Europe” for its economic resurgence, Bitcoin ownership in Poland is around 3.1% of the population (about 1.2 million people), but Bitcoin is just part of the broader picture. According to Statista, roughly 19% of Poles now use cryptocurrency, or around 7 million people in 2025. This figure is expected to rise to more than 7.6 million by next year..
This piece explores how everyday Poles are embracing crypto, highlights homegrown innovators, examines Poland’s regulatory balancing act, and contrasts the country’s crypto journey with that of its European neighbors.
Crypto as a Mainstream Investment
Poles are increasingly treating cryptocurrency as a normal part of their financial toolkit. Bearing in mind that 19 percent of Poles use cryptocurrency, on a per-user level, the average revenue per user (ARPU) stands at US $173.6 this year, reflecting the sector’s increasing monetization potential.
Meanwhile, a recent survey of 1,188 Polish adults found that 81 percent of crypto investors in Poland entered the market to diversify their portfolios, not just to gamble on quick profits. In practice, this means Polish investors view Bitcoin and other digital assets as “another asset class” rather than a one-off speculation.
The Business Growth Review study — commissioned by Polish exchange Zondacrypto (formerly BitBay) — found that the core of these investors are working-age professionals — two-thirds were 25–44 years old in the survey — who approach crypto with “mature pragmatism,” using it to complement stocks or real estate in a balanced portfolio, the survey authors noted.
Everyday Poles Embrace Crypto Beyond Speculation
This enthusiasm being felt in the mainstream goes beyond investment theory – it’s visible in daily habits. Returning to the survey above, 41 percent of respondents are admittedly still enticed by the chance of quick gains, others are using crypto in practical ways. About 19 percent say they value the fast and convenient payments crypto enables, and another 11 percent are mainly curious about the cutting-edge technology behind it. Only a small minority (15 percent) still cling to the idea of crypto as purely an inflation hedge, suggesting most Poles see it as more than just “digital gold.”
Indeed, an estimated 18 percent of Polish citizens have already invested in crypto assets at some point. In one poll, 60 percent of people strongly disagreed with the notion that crypto is immoral, indicating that society does not see digital currencies as some shady underground trick — they’re viewed as legitimate tools.
It helps that Poland’s public is highly tech-savvy and open-minded. 91 percent of Polish crypto users want the government to actively support blockchain businesses. In short, with a supposedly pro-Bitcoin President Karol Nawrocki, Polish society is increasingly “crypto-friendly,” seeing digital currencies less as a Wild West gamble and more as a routine financial option.
Homegrown Crypto Pioneers Fueling the Boom
Poland’s growing crypto scene is as much about users as innovators. While not as loud as Silicon Valley or London, the country has produced notable projects shaping global crypto. Ramp Network, co-founded by Przemek Kowalczyk in Warsaw, is now a leading fiat-to-crypto onramp used worldwide.
Another standout is RedStone, a blockchain oracle delivering real-world data to smart contracts. Founded by Jakub Wojciechowski, RedStone was recently named Poland’s #1 startup to watch by Forbes. It supports 110+ blockchains, secures $8 billion in assets, and remains 80 percent Poland-based — proof of the country’s infrastructure.
Earlier, Julian Zawistowski helped put Poland on the map with Golem, the decentralized “Airbnb for computing power” built by Polish developers. International players also have roots here: Bitpanda once ran a Kraków office, while Zondacrypto grew from Katowice into one of Europe’s biggest exchanges.
Is Regulation Boosting or Hampering Crypto Adoption?
As crypto gains ground, Polish authorities are racing to craft regulations for the sector. For years, only anti-money laundering (AML) rules applied, creating a gray zone that lowered compliance costs and attracted some 1,400 firms — but left consumers unprotected. Now, change is coming through the EU’s Markets in Crypto-Assets (MiCA) regulation and Poland’s own draft law. The question is: will these rules nurture growth or choke it?
Officials argue clarity will help. “These are well-designed regulations,” says Przemysław Kral, CEO of Zondacrypto, noting US laws even borrow from the EU model. Over 90 percent of Polish crypto users back smart regulation to legitimize the industry.
But critics warn of “gold-plating” in Poland’s draft, adding burdens beyond MiCA. “The proposed draft carries the risk of stifling innovative young Polish fintech companies,” cautions Piotr Palutkiewicz of the Warsaw Enterprise Institute. Licensing costs could rise from €10,000 to €60,000+, pushing firms abroad. Zondacrypto itself registered in Estonia, with Kral warning: “These companies will move out of Poland […] and pay taxes elsewhere […] Poland is missing a big development opportunity.”
Poland now stands at a crossroads, with ongoing discussions. Regulation could either cement trust — or drive its crypto ecosystem offshore.
Poles Savoring Crypto at Their Pace
Poland’s crypto is compelling especially when seen in human terms and regional context. It has a tech-savvy population eager to integrate crypto, its own champions building global tools, and lessons to draw from other European countries like Spain, Lithuania, and Turkey.
The challenge is regulation. Too heavy a hand could choke progress, while balanced rules could cement Poland as a true leader.
If done right, the blend of Polish pragmatism, entrepreneurial spirit, and sensible oversight could see Poland fully join the ranks of Europe’s crypto leaders – with thriving local businesses and empowered everyday users to show for it.
Plus, this week is Warsaw Blockchain Week. The event is spread over four days and started on Tuesday the 2nd of September at Urbe Campus in Warsaw.
#Crypto #Blockchain #DigitalAssets #DeFi #Poland
Author: Ayanfe Fakunle
The editorial team at #DisruptionBanking has taken all precautions to ensure that no persons or organizations have been adversely affected or offered any sort of financial advice in this article. This article is most definitely not financial advice.
See Also:
The Rise in Popularity of Crypto in Turkey: When Fiat Fails | Disruption Banking
The Rise in Popularity of Crypto in the Netherlands | Disruption Banking
Is it Worth Investing in Poland in 2025? | Disruption Banking
The Rise in Popularity of Cryptocurrency in Spain | Disruption Banking
