More than 1 in 3 U.S. cryptocurrency traders have recently cut everyday spending due to the market downturn, a survey showed.

On April 26, Cointelegraph reported that a CEX.IO survey of 1,100 active U.S.-based users found 36 percent said they reduced living expenses because of market conditions.

The survey found that paper losses are turning into a direct burden on household finances. Bitcoin is hovering about 40 percent below its October 2025 peak, and many retail investors are holding on without realising losses, CEX.IO said. It added that the current downturn was presented as less severe than in 2022, when Bitcoin fell about 75 percent from its peak.

The scale of spending cuts was also significant. Some 10 percent said they made substantial sacrifices to maintain their positions. Another 37 percent said they postponed or cancelled purchases due to crypto losses, and 21 percent of those delayed major spending such as buying a home or car, or home renovations.

CEX.IO said the 2025 to 2026 bear market has not created the system-level shocks seen in past cycles, but has so far been showing its impact more quietly at the household level. It said the burden is appearing less as a broad market collapse than as reduced living costs and postponed purchases.

The survey also found investors are coping with losses in relative isolation. Only 5 percent said someone else fully knew the size of their holdings and their asset values. Most said they share only partial information or do not disclose their positions at all.

Deteriorating cash flow was also evident. While 77 percent said they had not taken on new crypto-related debt, 38 percent said they had faced financial setbacks since October 2025. One in 4 said they used savings to maintain financial stability, and 12 percent said they failed to pay bills on time or delayed payments.

Even so, investment strategies did not appear to change significantly. Nearly half said crypto accounts for more than 30 percent of investable assets. But 73 percent said there was no change in how they earn income. For plans over the next 6 months, 79 percent said they would keep holdings or increase their allocation.

A separate survey in Europe also showed crypto services are influencing the choice of financial institutions. A Boerse Stuttgart Digital survey released this week found 35 percent of about 6,000 investors in Germany, Italy, Spain and France said they could switch their main bank if another bank offered better crypto services. About 1 in 5 said they expected their main bank to provide crypto access within 3 years.

Against this backdrop, the recent market correction is moving beyond a simple decline in asset prices and is affecting household consumption and financial decisions. Still, many U.S. investors said they plan to keep holding rather than close out positions despite short-term pressure.