Binance Report: Users in Emerging Markets Use Crypto Exchanges as Gateways for Savings, Payments, and Investments

According to CoinDesk, Binance’s latest research indicates that users from emerging markets accounted for 77% of its total user base in 2026—up from 49% in 2020—with these users increasingly relying on cryptocurrency exchanges for savings, payments, and investment. The report states that 83% of users who utilize two or more platform products come from emerging markets, and their usage rate for savings is over twice that of users in developed markets. Additionally, approximately 36% of emerging market users holding at least $10 in assets allocate at least half of their holdings to stablecoins. Binance also notes that globally, 1.3 billion adults remain unbanked, 4.7 billion people lack access to credit, and 1.4 billion depositors in low-income countries earn no interest on their savings.