Data Dossier · Crypto in Banking
88% of crypto clients are over 30. Is the business in private banking?
What four years of real trading data at German cooperative banks reveal about the hidden crypto volume in your existing client base.
31 pages · ~12 min read · June 2026 · For board members & heads of private banking · German language
88%
of crypto clients are over 30 — half of them even over 50.
93%
of trading volume comes from clients over 30.
3×
higher order volume per client among 40- to 49-year-olds.
~20%
of revenue from corporate clients — tickets above €1 million.
Crypto is much speculated about — and rarely measured
Many banks debate crypto without a solid data basis: the ambition is there, but the topic isn't approached by target group and actual demand. Now, real numbers from more than four years of active crypto trading at German cooperative banks are available — by age group, volume and ticket size.
The result contradicts the common assumption: demand doesn't come from young speculators, but from established, wealthy clients — the core of the private banking and entrepreneur segment.
What this dossier clarifies:
- Replace gut feeling with robust portfolio data from 4+ years of real trading business.
- See where crypto demand is already dormant in your client base — and how large the potential business volume is.
- Get a neutral basis for the board discussion — interpretations are clearly marked as such.
What you'll find in this dossier
Twelve chapters — from the starting point through the findings to concrete options for your institution.
01
2021 assumptions vs. reality
Our 2021 assumption was the opposite of the numbers — four years of real trading disproved it.
02
Why now
Regulation (MiCA), infrastructure (Clearstream) and demand have moved crypto into mainstream banking.
03
Bitcoin as digital gold
Why wealthy clients treat Bitcoin like digital, physical gold — with a property-by-property comparison.
04–06
The findings in detail
Young interest ≠ business potential: share of clients vs. share of volume by age group, order volume per client.
07–08
Applying it to your institution
Which of these clients do you already have? What the data means for each role — from the board to the advisor.
09–10
Myths & typical reactions
Three (deceptive) myths, cleared up — and how institutions typically react to the numbers.
Appendix
Methodology & data basis
Anonymized trading data from selected partner banks, sources and references — transparently documented.
11–12
Where does your institution stand?
A short exercise to translate the findings into your strategy — plus the offer of a free expert conversation.
"For the busy reader": every chapter opens with a one-sentence summary — you can grasp the key messages in minutes. The dossier is written in German.
Request it now for free"We didn't introduce Bitcoin because it was loud, but because clients had long been asking the question — often just no longer asking their house bank. For us it was decisive: if we want to be financial companions, we must remain competent, regulated and approachable for digital assets as well."
About the author
Andreas Luksch
Product & Corporate Development, Digital Investment Solutions
More than 5 years of operational experience with Bitcoin & crypto at German cooperative banks — developing, launching and running a trading offering for retail and corporate clients.
Get the dossier by email
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- 31-page PDF analyzing 4+ years of real trading business (German language)
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- Explicitly cleared for internal sharing
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Frequently asked questions
Does it cost anything?+
No. The dossier is provided free of charge.
What data is the dossier based on?+
Anonymized trading data from selected partner banks covering more than four years of real crypto trading, complemented by public studies (incl. KPMG 2025). The figures primarily reflect the potential in the private banking and entrepreneur segments and are not representative of all institutions — the methodology is transparently documented in the dossier.
What language is the dossier in?+
The dossier is currently available in German only, as it analyzes trading at German cooperative banks.
May I share it internally?+
Yes — it is explicitly intended for internal use in product, strategy and board meetings.