Crypto Wallets Gain Edge in Argentina with Yield Over Bank Rates

TLDR

• Argentina reached a 19.8 percent cryptocurrency adoption rate in 2025.
• USDT and Bitcoin are the most used digital assets among Argentine users.
• Many Argentines now prefer crypto wallets over traditional bank accounts.
• Exchanges report increased wallet usage due to higher yields on crypto deposits.
• Decrypto confirms that up to 80 percent of its transactions involve stablecoins.

Argentina is experiencing a strong shift in financial behavior, as nearly one in five citizens now use cryptocurrency, and many are opting for digital wallets that offer yield benefits over traditional bank services, according to the Blockchain Argentina Foundation.

USDT Dominates Crypto Usage in Argentina

Tether (USDT) leads as the preferred crypto asset in Argentina, with users favoring its stability and dollar-based value. Decrypto reports that stablecoins account for up to 80% of total transactions on its platform. These assets help users protect their savings against local currency fluctuations.

Transactions using USDT often involve saving, daily payments, and international transfers, offering versatility not matched by local banks. The widespread use of stablecoins aligns with Argentina’s rising inflation and continued peso devaluation. Crypto wallets with USDT yield options attract users seeking alternative returns.

Ripio and Decrypto indicate that wallets offering returns in USDT are pulling in more users than banks offering local interest rates. Analyst Rodrigo Mansilla said, “Almost no one today considers having their money stagnant, without ‘working’.” Wallets with earning features are becoming the default choice for crypto users.

Exchanges have confirmed this momentum, stating that returns on crypto deposits surpass what traditional institutions provide. Therefore, wallets continue to gain popularity in cities such as Buenos Aires, Rosario, and Córdoba. The appeal includes ease of use and consistent dollar-linked returns.

Bitcoin Maintains Strong Adoption Despite Volatility

Bitcoin remains a strong asset in Argentina, although its use fluctuates with seasons and economic events. Satoshi Tango reported Bitcoin as its most used crypto in various months, followed closely by USDT. Factors such as holidays and election cycles cause periodic changes in volume.

Satoshi Tango users are mostly between 35 and 65 years old and based in major cities. The exchange records 80% male and 20% female users, with Buenos Aires being a key region. Bitcoin is also viewed as a long-term store of value among some Argentines.

Crypto adoption in the country grew by 0.8% in 2025, reaching 19.8% of the population, based on exchange-reported data. Bitcoin’s decentralized model continues to attract attention from Argentines wary of local fiscal policy. Many still use Bitcoin to move money internationally.

These trends place Argentina among the world’s top 20 crypto markets, highlighting strong adoption across multiple demographics. Despite price swings, Bitcoin maintains relevance through its perceived security and potential upside. Usage patterns show resilience across diverse economic cycles.

Wallet Usage Expands with Demographic Shifts

Ripio shared detailed user demographics indicating strong adoption among young adults. The 25–34 age group forms the largest segment, followed by those aged 35–44. Gender distribution shows 65.47% male, 34.51% female, and 0.01% non-binary users.

Ripio’s user base is largely concentrated in the Buenos Aires province, followed by Buenos Aires city. The company also notes expanding usage outside traditional urban centers. Decrypto and Satoshi Tango support these findings, observing strong crypto interest among new users.

The Argentine Fintech Chamber confirmed new sign-ups continue to increase, especially from small and medium enterprises (SMEs). Decrypto recorded close to 20% annual user growth, highlighting rising crypto usage in business operations. SMEs are turning to crypto for payment flexibility and cost savings.

Wallets offering passive income options are drawing attention, with crypto yields outperforming local inflation. As banks lose ground, users are switching to platforms with better returns and modern interfaces. The trend suggests continued growth in wallet usage in 2026.

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