Gen Z Crypto Adoption: Why Young Investors Trust Blockchain Code Over Traditional Banks

A new wave of investors from Generation Z is fundamentally reshaping the financial landscape, demonstrating a clear preference for the transparent, algorithmic promises of blockchain code over the traditional assurances of legacy banking institutions. This demographic, digital natives who came of age during the rise of Bitcoin and decentralized finance, views programmable money and smart contracts as more reliable than conventional financial intermediaries. Their trust is rooted in the open-source and verifiable nature of cryptocurrency networks, which operate on consensus rather than centralized authority. This behavioral shift signals a profound long-term change in how value is stored and transferred, potentially accelerating mainstream crypto adoption as this generation accumulates wealth and influence. The trend underscores a growing divergence in trust models, with code-based systems gaining credibility among younger, tech-savvy populations.