The breakthrough report finds that over a third of all Europeans are actively investing in cryptocurrencies, with long-term value appreciation cited as the main driver.
London, United Kingdom, 29 April 2026: Morphic Financial Group, the London-based holding company of leading European digital asset infrastructure provider Ari10, today announces that its subsidiary has published its Cryptocurrency Adoption in Europe 2026 report, one of the most comprehensive studies of digital asset adoption ever conducted across the continent.
The report is based on more than 100,000 individual responses collected from over 11,000 respondents across 11 European countries – Poland, France, Italy, Germany, the Netherlands, the United Kingdom, Norway, Sweden, Hungary, Romania, and Spain – providing a detailed and data-driven view of how cryptocurrencies are being adopted, understood and perceived at scale.
The findings indicate that digital assets are now firmly embedded within the European financial landscape. Almost 40% of respondents reported having had some level of exposure to cryptocurrencies, while approximately 31% confirmed that they are actively investing. The primary driver of engagement remains long-term value appreciation, cited by nearly half of active investors.
At the same time, the research highlights a growing sense of confidence in the market. More than 60% of active investors consider cryptocurrencies to be relatively safe, signalling a shift in perception as the asset class matures. However, the study also underlines the continued importance of regulatory clarity, with over 56% of respondents identifying the lack of clear and consistent regulation as a key barrier to further adoption.
Poland emerges as a leading market within the European ecosystem. The country recorded the highest level of exposure to digital assets among all surveyed nations, with 47.1% of respondents indicating they have engaged with cryptocurrencies. Poland also demonstrated the highest awareness of the European Union’s Markets in Crypto-Assets framework, alongside a strong base of early adopters who entered the market prior to 2017.
The report reinforces a broader trend across Europe, where adoption is accelerating but remains closely linked to the development of trusted infrastructure, clear regulatory frameworks and accessible user experiences. As digital assets continue to transition from speculative instruments to functional financial tools, the need for reliable data to inform decision-making is becoming increasingly critical.
The study was developed in collaboration with Dr Grzegorz Sobiecki of the Warsaw School of Economics and conducted by UCE Research, combining academic expertise with large-scale data analysis to provide a robust and credible assessment of the market. The publication of the report reflects Morphic Financial Group’s commitment to supporting the development of a transparent, data-led digital asset ecosystem. By combining infrastructure, compliance and insight, the group is positioning itself at the forefront of Europe’s transition towards a more integrated financial system where traditional and digital assets coexist.
Mateusz Kara, CEO of Morphic Financial Group, said: “The findings of this report reflect that digital assets are no longer a niche concept, they are becoming part of everyday financial life across Europe. Adoption is already at a meaningful scale, but the opportunity ahead is even greater. Unlocking that potential will depend on two things: improving education to build confidence, and delivering simple, practical solutions that integrate seamlessly into how people and businesses already operate.”
The full Cryptocurrency Adoption in Europe 2026 report is available at: www.ari10report.com; data may be cited with attribution to ARI10.
About Morphic Financial Group
Morphic Financial Group is a holdings company bringing together innovative financial and digital asset ventures that are redefining how money moves within and across borders. With a focus on compliance, scalability and long-term value creation, Morphic unites businesses that bridge traditional and digital finance. Among its portfolio is Ari10, Central Europe’s leading crypto gateway, which exemplifies Morphic’s mission to deliver trusted, frictionless and future-ready financial solutions across international markets.
About Ari10
Ari10 bridges the gap between digital and traditional money by providing secure, compliant and frictionless crypto-to-fiat transaction infrastructure for merchants, institutions and retail users. Serving over 940,000 users and operating across more than 17 countries, Ari10 supports businesses with seamless access to digital asset settlement rails at a time when blockchain adoption and cross-border payment innovation are accelerating globally. Now operating under Morphic Financial Group, Ari10 continues to define the benchmark for trusted and compliant digital asset gateways across Central Europe.
