As a Web3 product analyst, I see an interesting generational shift: for Gen Z, crypto isn’t an investment niche anymore — it’s infrastructure. A recent Medium article highlighted that more than half of Gen Z already own or have owned crypto, and when you look closer, you realize it’s not speculation driving this adoption, it’s utility.
Digital wallets are becoming "default apps" for this generation. Cards that instantly convert crypto to fiat feel more natural to them than traditional banking products. WhiteBIT Nova Card, for example, shows why - instant conversion, Apple/Google Pay integration, and competitive cashback make it less of a "crypto experiment" and more of a lifestyle tool. NFT platforms aren’t just collectibles - they’re social spaces, marketplaces, and identity layers. Even yield products like Bybit Earn are framed not as finance, but as "money that works while you scroll".
This mindset matters for anyone building in Web3. Gen Z evaluates products not by the complexity of the tech, but by how well they remove friction. QR-code payments, instant transfers, cashback - those are product design features, not speculative narratives.
In short, the lesson for builders: crypto products that feel like toothbrushes - simple, daily, unavoidable - will define the next adoption wave.
Top comments (2)
Great insights... Gen Z really does see crypto as infrastructure, not hype. We think the same shift is coming for AI on blockchain. At haveto.com, we’re making AI run directly on-chain, fast, cost-efficient, and transparent. Just like wallets became “default apps” for money, AI + blockchain will become the default trust layer for the next generation.
Thanks for sharing your thoughts and recommendation!