Sentora survey finds 75% of US crypto holders want bank digital asset services
A survey of 10,000 US crypto holders found three quarters would rather use their own bank for digital asset services, with exchange balances as a gauge.
Why it matters: It shows where US crypto holders want to manage their digital assets, and gives banks a gauge for the gap between demand and what they offer.
Reviewed and fact-checked by Ishu Aggarwal on 17 Oct 2026
In short
- Sentora's survey of 10,000 US crypto holders found 75% prefer digital asset services from their current bank, published on 17 October 2026.
- Sentora said balances still held on crypto exchanges can show how far banks have gone in offering those services.
- The survey is limited to the United States, so the 75% figure is a US result, not global.
- Sentora's Fintech Onchain report names a seventeen-bank tokenised deposit consortium targeting a 2027 launch.
75% want bank digital asset services
Three quarters of US cryptocurrency holders would prefer to access digital asset services through the bank they already use, according to a survey by Sentora published on 17 October 2026. Sentora, a research firm that covers blockchain and DeFi, surveyed 10,000 US crypto holders and found that 75% wanted digital asset services from their current bank. 'Three quarters of US holders want digital assets at their own bank,' Sentora said on X.
Three quarters of US holders want digital assets at their own bank.
A 2026 survey of 10,000 holders found the preference, which makes exchange balances a measure of what banks have offered.
You can read the findings in our 2026 fintech report. https://t.co/CQwso2aoFo
Sentora @SentoraHQ · · View on XExchange balances as a bank gauge
Sentora said the money customers keep on crypto exchanges gives a read on how complete banks' digital asset offerings are. Its reasoning is that if people could run those holdings from their own bank, less of it would have to sit with exchange platforms, according to Sentora.
Onchain products at production scale
Sentora's wider Fintech Onchain report, released alongside the survey, argues that onchain infrastructure now does more than serve speculative trading. According to the report, the sector operates at production scale: the outstanding stock of Stablecoin tokens, the value settled onchain, and real-world assets that have been tokenised, from Treasuries to private credit and equities. It points to live products including Kraken's $800m DeFi Earn programme, Coinbase's $2.3bn in crypto-backed originations, and Deel's payroll wallet used in more than 80 countries. Younger generations hold digital assets and are set to benefit from the largest wealth transfer in US history, according to Sentora.
What the US-only sample means
The survey's summary is specific to the United States, so the 75% figure is a US result rather than a global one. The finding signals demand for banking apps that can handle digital assets alongside savings and payments. For banks, that is a customer need that existing onchain products may be able to serve.
Next milestone: 17-bank tokenised deposits
The same report names the next concrete project to watch: a seventeen-bank tokenised deposit consortium targeting a 2027 launch. Sentora positions onchain products as savings, treasury, credit and payroll tools rather than speculative trading features, and says product and strategy teams can use the report to evaluate those opportunities.
Questions readers ask
What did Sentora's survey find about US crypto holders?
Sentora's survey of 10,000 US crypto holders found that 75% prefer to access digital asset services through the bank they already use. Sentora said the preference was found in 2026, and balances still held on crypto exchanges could show how fully banks provide those services.
Why are crypto exchange balances a gauge in Sentora's survey?
Sentora said balances still held on crypto exchanges could serve as an indicator of how fully banks are providing digital asset services. If banks offered the services customers want, fewer assets might need to stay on exchanges, according to Sentora's survey.
What banks or fintechs already offer bank-style digital asset services?
Sentora's Fintech Onchain report points to Kraken's $800m DeFi Earn programme, Coinbase's $2.3bn in crypto-backed originations, and Deel's payroll wallet used in more than 80 countries. It also names a seventeen-bank tokenised deposit consortium targeting a 2027 launch.
Our view
The 75% figure is a useful indicator, not a realistic global measure. It comes from a survey of 10,000 crypto holders in one country, so it tells us about US demand, not about Europe, Asia or Latin America. Sentora's exchange-balance gauge is a sharper contribution: money still parked on exchanges is a visible sign of what banks have not yet offered.
In my view, the number should be read as directionally strong but geographically narrow. The report's examples of Kraken, Coinbase and Deel show that bank-like onchain products already exist, so the survey is not asking about a distant future. The figure would gain credibility if Sentora released its methodology and comparable data from other countries. Until then, the 75% should be quoted with the word 'US' attached.
Follow the latest updates as they happen on NewsFeeds.
What to watch: Sentora's Fintech Onchain report points to a seventeen-bank tokenised deposit consortium targeting a 2027 launch as the next milestone.
Sources
Live updates on NewsFeeds:RegulationBy Keshav Aggarwal
Disclosure: Keshav Aggarwal holds small amounts of crypto as long-term investments. He does not trade any asset he writes about within 24 hours of a story, and is not paid by any company covered on this site, updated 6 October 2026. Our holdings and trading policy.
How this was produced: the writer drafted this piece with AI help, from the reporting and sources it names, then checked and edited it. Read our Editorial and AI policy. Spotted a mistake? See Corrections.
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