European Economic Area • Full year data
Stablecoin share of debit spending
In Debit Mode, most everyday spending went through stablecoins.
Average transaction value
About 2 times the European Central Bank card payment baseline of €38.
Online vs. in-store parity
E-commerce adoption is 2.5x higher than the Eurozone remote payment baseline of 19%.
Executive summary
Across checkouts, booking portals, and dining rooms, European consumers are quietly reshaping how they manage wealth and daily liquidity. Drawing from a full year of aggregated, anonymized Nexo Card transaction data across the European Economic Area, Digital assets and the European lifestyle explores how four generations of spenders are integrating digital assets into everyday life.
The data reveals a financially active, digitally native consumer who spends in the same everyday categories as the broader public, but with higher purchasing power. Rather than liquidating long-term holdings during market cycles, spenders are adopting a dual-track approach: utilizing stablecoins for immediate purchases while leveraging credit lines to keep core capital untouched.
Key findings
Drawing from a full year of aggregated, anonymized Nexo Card transaction data across the European Economic Area.
Stablecoins for daily flow, credit for capital preservation.
All debit spending
Stablecoin usage rose to 72.7% of all debit spending, cementing pegged assets as the default currency for real-world settlement. On the credit side, volatile assets like Bitcoin and Ether remain untouched, serving as collateral to unlock cash flow without triggering premature liquidations.
Prioritizing travel and dining over material goods.
All food & drink spending
Travel (15.9%), food and drink (11.0%), and leisure (5.0%) combine for nearly a third of total spend volume. Within food and drink, 88.5% of spending takes place in sit-down restaurants, reflecting a consumer base actively prioritizing shared experiences and lifestyle choices.
Mid-career professionals drive high-volume growth.
All transaction volume
Spenders aged 36–45 generate 38.1% of overall transaction volume despite making up 30.8% of the user base. Meanwhile, younger cohorts lead the surge in social spending, dining, and leisure, while older generations utilize digital asset platforms primarily for strategic financial management.
Generations
Each generation spends differently, prioritizes differently, and uses the card for structurally different reasons. One-size-fits-all is over.
The full report
Download Digital assets and the European lifestyle to get complete access to category breakdowns, generational spending profiles, and macroeconomic benchmarks.
Comprehensive data on retail, travel, food & drink, services, and leisure spending.
How Henry and Affluent tiers expanded their volume share from 28% to 35% through 2025.
How debit spending splits between stablecoins, Bitcoin, Ether and other assets.
How spenders choose between credit mode and debit mode depending on purchase size and merchant category.
