- Federal Reserve Bank of Kansas City projects population aging will lift asset demand by 200% of GDP through 2100.
- Bitget CEO Gracy Chen says older investors may adopt Bitcoin as a store of value once regulation stabilizes.
- Bitfinex analysts expect expanding global wealth to drive broader portfolio diversification into crypto assets.
Global demographics may quietly reshape cryptocurrency demand over the next seven decades, according to the Federal Reserve Bank of Kansas City. Its recent research indicates that population aging and rising productivity are expected to boost global asset demand, including Bitcoin, until the year 2100.
The bank projects that aging alone could increase demand by an additional 200% of GDP between 2024 and 2100, suggesting that older households will continue accumulating financial assets for longer periods than previous generations. This forecast introduces a shift in how long term crypto adoption may unfold, moving beyond youth led speculation toward structurally driven wealth allocation.
Older Investors and Alternative Stores of Value
Bitget CEO Gracy Chen argues that increased regulatory clarity and wider access to institutional products such as Bitcoin ETFs may encourage aging investors to consider the asset in the same category as gold. She believes that over the next 75 years, older demographics may favor Bitcoin as a store of value, provided that regulatory frameworks stabilize.
This view aligns with recent data from payment provider Triple-A showing that 34% of crypto holders were aged between 24 and 35 at the end of 2024. That composition suggests that future adoption may expand upward in age brackets rather than relying solely on young early adopters.
Rising Wealth to Support Risk Appetite
Analysts at Bitfinex added another layer to the long term narrative, stating that continued global wealth expansion often leads to broader diversification across asset classes. They noted that higher personal wealth tends to raise openness to emerging instruments such as crypto assets.
Furthermore, they observed that investors with longer time horizons appear more willing to allocate into Bitcoin, reinforcing the demographic advantage highlighted by the Kansas City Fed. That pattern aligns with rising portfolio share data, where Bitcoin accounted for 30.95% of total investor assets in May, up from 25.4% in November 2024.
Demographic Outlook and Interest Rate Trends
The Kansas City Fed report noted that sustained demand growth from aging populations could also pressure real interest rates lower over time. That scenario typically pushes investors toward alternative assets offering scarcity based protection.
While the research did not make direct predictions about specific cryptocurrencies, it listed Bitcoin among assets expected to benefit from prolonged capital demand. This positioning places demographic transition alongside regulatory and technological progress as a structural force in crypto adoption rather than a temporary trend.
