Bitcoin May Rise as Web3 Could Reach 5 Billion Users Within a Decade, Driven by Usability and Speculation

• Main driver: retail speculation can rapidly add users during a bull market.

• Alternative driver: real-world blockchain payments and user-friendly apps build durable adoption.

• Data point: 659 million holders by end-2025 (Crypto.com research); insiders forecast up to 5 billion within 10 years.

5 billion crypto users forecast: Front-loaded analysis of adoption drivers, expert views, and data — read key takeaways and outlook.

What will it take for 5 billion crypto users to be reached?

5 billion crypto users requires one or two rapid growth cycles fueled by retail price speculation and simultaneous improvements in blockchain usability and payment integration. Industry leaders at WAIB Summit 2025 and Crypto.com research say a next bull cycle plus mainstream payment experiences could push adoption toward that scale.

How many cryptocurrency holders exist today and what do recent reports show?

Crypto.com research estimated about 659 million cryptocurrency holders by end-2025. That baseline, cited at industry events, frames forecasts that a single expansive growth cycle could multiply users significantly within years rather than decades.

Why do insiders believe mainstream crypto adoption is one cycle away?

Thomas Prévot, head of operations in France at Crypto.com, told attendees at WAIB Summit 2025 that we are “one growth cycle away” from crypto becoming as ubiquitous as credit cards. Experts emphasize two concurrent dynamics: speculative retail inflows during bull runs and gradual consumer behavior shifts from new payment rails.

How could retail speculation and blockchain use cases each add one billion users?

Roy van Krimpen of OKX noted that price-driven retail demand can cause exponential short-term growth, as seen in 2021. Conversely, mass adoption via payments and apps requires sustained improvements in onboarding, UX, custody, and merchant acceptance—changes that compound over longer timelines.

Mainstream adoption would also fulfill long-standing objectives set out by early Bitcoin proponents, who envisioned censorship-resistant, peer-to-peer value transfer becoming a practical payment option.

When could Bitcoin and other assets reflect mainstream acceptance?

Popular analyst Willy Woo has modelled scenarios where broad allocations to Bitcoin could drive very large price targets—one projection suggested an “ultimate price” near $700,000 under a 3% portfolio allocation assumption. Such price effects would likely follow, not precede, mass user adoption.

Who are the expert voices cited in the adoption debate?

Industry contributors at WAIB Summit 2025 included Thomas Prévot (Crypto.com), Roy van Krimpen (OKX), Chintan Turakhia (Coinbase engineering), and other exchange and product leaders. Their consensus: both speculative cycles and improved blockchain usability will shape the path to the first billion and beyond.

Frequently Asked Questions

How many crypto holders were there at the end of 2025?

Research from Crypto.com estimated about 659 million holders by end-2025, a key data point used by industry speakers to model future adoption scenarios.

Why would a bull market drive large user growth?

Price appreciation often attracts new retail investors quickly, as seen in 2021. Rapid media attention, simplified onramps, and retail trading products can expand user counts significantly during strong cycles.

Key Takeaways

• Scale potential: 5 billion users is feasible within a decade if both speculative cycles and payment use cases align.
• Two adoption paths: Short-term retail speculation and long-term payment integration are complementary routes to growth.
• Action items: Improve UX, expand merchant rails, pursue regulatory clarity, and scale education to convert users.

Conclusion

Industry insiders and research point to a realistic pathway for mainstream crypto adoption driven by a near-term bull market and parallel improvements in blockchain usability. Stakeholders should prioritize onboarding, payments, and regulatory engagement to capitalize on the next growth cycle and move toward the multi‑billion user outcome.