Can You Really Live On Crypto? The Top 10 Countries Making It Possible

For years, cryptocurrencies were seen as speculative assets rather than real-world payment options.

But the tide is shifting.

A new report published by decentralised exchange ApeX Protocol have found that everyday use of crypto is becoming increasingly popular, and on top of that, there are some countries in particular that are leading the way in everyday crypto usability. This list identifies where residents can most comfortably live, work and spend using digital currencies.

According to the November 2025 report, Singapore tops the global Crypto Comfort Index, with one in four residents (24.4%) owning digital currencies.

The study evaluated countries based on seven core factors – from ownership rates and crypto ATMs to real estate availability and local transaction options – providing a data-driven view of how embedded crypto has become in daily life around the world.

How Does the Crypto Comfort Index Work?

ApeX Protocol’s analysis combined seven indicators to create a 0-100 scoring system, where a higher score reflects greater ease and comfort for everyday crypto use.

The factors include:

• Cryptocurrency ownership rates
• Crypto ATMs per capita
• Local exchanges
• Search interest in crypto payments
• Availability of crypto debit cards
• In-country transaction options
• Real estate purchase options using crypto

Together, these criteria paint a picture of how far each country has come in integrating digital finance into its economic infrastructure.

1. Singapore – Crypto Comfort Score: 99/100

Singapore leads the world in crypto usability. With 24.4% of residents holding digital currencies, the city-state has the highest ownership rate globally. Citizens can make everyday transactions with crypto, access cryptocurrency debit cards and even purchase real estate using digital assets.

The government’s supportive regulatory environment and the presence of 81 crypto exchanges make Singapore a standout example of how crypto can work within a modern economy.

2. United States – Crypto Comfort Score: 97/100

The United States comes second, offering unmatched infrastructure for crypto conversion and use. The country is home to 31,720 crypto ATMs, the largest network in the world and it boasts 166 registered exchanges.

Around 15.5% of Americans own cryptocurrencies, while searches for “pay with crypto” average 40,800 per month, reflecting strong public interest in digital payments. Americans can also use crypto for in-country transactions, debit card payments and property purchases.

3. Switzerland – Crypto Comfort Score: 95.3/100

Switzerland continues to live up to its reputation as a global financial innovator. With 11.5% of residents owning crypto, 1,130 ATMs and 32 exchanges, the country ranks as the most crypto-friendly nation in Europe. While crypto debit cards are not widely available, citizens can make local purchases and buy property using digital assets.

4. Hong Kong – Crypto Comfort Score: 93.3/100

Hong Kong’s crypto culture is thriving. 14.3% of locals own digital currencies, supported by 52 exchanges and the availability of crypto debit cards. Residents can use crypto for everyday transactions, although real estate purchases are not yet possible. Interest in crypto payments remains steady, with around 2,100 searches per month.

5. Canada – Crypto Comfort Score: 90.1/100

Canada ranks fifth thanks to its strong regulatory environment and widespread infrastructure. The country has over 3,000 crypto ATMs, 32 exchanges, and 10.1% ownership among residents. Canadians can make local purchases and buy real estate using crypto, even though debit card availability is limited.

6. Australia – Crypto Comfort Score: 88.1/100

Australia’s crypto adoption continues to grow steadily. 9.6% of Australians now own crypto, supported by 5,100 monthly searches for “pay with crypto”. While crypto debit cards aren’t common, Australians can use digital currencies for in-country transactions and property purchases.

7. Brazil – Crypto Comfort Score: 80.9/100

With 17.5% of citizens holding digital currencies, Brazil has one of the highest ownership rates globally. The country also supports crypto debit cards and in-country transactions, although property purchases using crypto are not yet available.

8. Portugal – Crypto Comfort Score: 79.1/100

Portugal has become an increasingly crypto-friendly destination, attracting global attention for its open regulatory stance. Around 12% of residents own crypto, and while debit cards are unavailable, the country supports local transactions and property purchases.

9. Ireland – Crypto Comfort Score: 76.5/100

Ireland’s 8.7% ownership rate and supportive environment for local transactions and real estate deals put it among the top 10 globally. Like several European counterparts, it lacks crypto debit card options but provides other strong integration features.

10. Philippines – Crypto Comfort Score: 73.5/100

The Philippines rounds out the top 10, with 10.6% of residents owning crypto and a lively community of early adopters. The country supports debit cards and in-country transactions but has not yet extended crypto use to real estate purchases.

What Do These Rankings Tell Us About the Future of Crypto?

The data shows that crypto adoption isn’t just a Western trend – it’s a global shift. Nations across Asia, Europe and the Americas are racing to integrate digital currencies into everyday financial systems.

As ApeX Protocol’s spokesperson explained, “Young people are driving crypto adoption while governments struggle to keep pace. With major financial institutions now heavily invested, widespread adoption is inevitable.”

Countries that offer flexible regulation, strong infrastructure, and consumer access are likely to see continued growth in crypto use and potentially, new economic opportunities.

For those asking whether you can really live on crypto, the answer is increasingly clear. In the right country, yes, and that list is growing every year.