🧠 Savviness ≠ Spending frequency

The following is by Mesh Head of UX, Ana Shaposhnyk

You'd assume that people who deeply understand cryptocurrency - all the technical complexity around blockchain networks, private keys, gas fees, etc. - would spend it more often. 

Surprisingly, that’s not always the case. Mesh set out to explore whether there’s a positive correlation between crypto savviness and spending frequency, and the findings were clear: savviness doesn’t always predict how often people spend, nor does it predict how willing they are to adopt new payment solutions.

In this article, I’ll share what we found and what it reveals about how people actually use crypto in their daily lives.

Savviness shapes engagement, not spending

Savviness influences how people think about and interact with crypto - their concerns, preferences, and decision-making process - but it doesn't always predict how much they actually spend it or whether they'll adopt new tools. 

Our research uncovered four distinct user types that demonstrate this pattern:

Privacy Guardians 

High savviness, low spending

These are crypto experts who know the technology inside and out, but that knowledge makes them cautious, not enthusiastic. They deeply value transparency, control, and privacy. They want to see exactly what's happening behind every transaction and refuse to compromise on security.

Example: Catalina, 28* - She uses non-custodial wallets and DEXs like Uniswap, PancakeSwap, and Jupiter, but won't adopt new platforms that feel opaque or require trust in third parties, even if the UX is excellent. Her main concern is address privacy and avoiding centralized exchanges that reuse addresses and create traceability.  

“I don’t want my transactions to be traced or monitored. I just want to manage my assets privately.” 

Strategic Optimizers 

Medium savviness, medium spending

These users have solid crypto knowledge - they understand networks, fees, and how crypto compares to traditional finance - but they're pragmatic, not ideological. Every payment is a calculated decision: they compare crypto versus fiat options and choose whichever offers better value. They adopt new tools quickly when the return on investment is crystal clear. For example, if a new payment method saves them money, time, or hassle, they'll try it immediately.

Example: Lucy, 35 - She regularly compares fees between crypto payments and credit cards, uses Polygon for low-cost transactions, and adopts new tools as soon as she sees clear financial benefit.

"I use crypto when it's cheaper or faster. Otherwise, I just use my card."

Everyday Enthusiasts 

Low savviness, high spending

These users have basic or limited crypto knowledge (for example, they might still get confused by technical details like gas fees or wallet addresses), but they're excited believers in crypto as the future of money. They love the idea of being early adopters and enjoy the social status of using cutting-edge technology. What matters most to them is convenience and simplicity: if the experience feels as easy as using a debit card, they'll use crypto for everyday purchases like coffee, groceries, and subscriptions. 

Example: Daniel, 34 - He treats crypto like any other payment method and enjoys explaining it to friends, even though he admits the initial technical learning curve was confusing.

"When I'm traveling, it's all about convenience. I don't have to think about exchange rates or conversions–I just pay directly with crypto.”

Crypto Earners 

High savviness, high spending

These users are crypto experts who spend frequently but not by choice. They're paid in cryptocurrency (often through remote work, trading, or affiliate programs), which means crypto has become their default spending account. They use crypto for everyday expenses like groceries and fuel simply because that's where their money lives, not because of ideology or preference. If they weren't paid in crypto, many would prefer to hold or stake their assets rather than spend them. 

Example: Sam, 37 - He receives his salary in USDT from multiple employers, uses a Visa card linked to his crypto wallet that auto-converts to EUR at checkout, and treats crypto as functional money.

"It's part of my salary. I don't even think about it anymore–I just pay."

Closing thoughts

While saviness shapes what users care about (privacy vs. convenience, control vs. automation, ideology vs. ROI), it doesn't always determine how often they spend crypto. What does drive higher spending are three simpler forces:

• Practical value: Does crypto actually solve a real problem better than existing options by being cheaper, faster, or more private?
• User experience: Does the process feel simple, transparent, and trustworthy enough for everyday use?
• Emotional connection: Do people feel personally aligned with it through curiosity, social influence, or belief in the future?

The future of crypto adoption doesn’t hinge on who’s the most tech-savvy, but on who finds it useful, simple, and meaningful. 

* These are real quotes from users, but their names and ages have been changed to protect their identities. 

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