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About Protocol Theory

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Mercuryo CEO Petr Kozyakov and Protocol Theory CEO Jonathan Inglis present new research highlighting crypto wallet adoption gaps in the U.S., with lower-income users facing higher costs through Bitcoin ATMs.

Crypto Wallet Adoption is Skewing Affluent as Dreams of Financial Freedom Fades

October 3 2025

A new research report from global payments infrastructure platform Mercuryo and Web3 research firm Protocol Theory shows that while cryptowallet adoption is accelerating among affluent users, lower-income groups face costly access points and risk being excluded.

Jonathan Inglis

Jonathan Inglis