IDEAS home Printed from https://ideas.repec.org/a/bde/joures/y2025i03n06.html
   My bibliography  Save this article

La tenencia de criptoactivos entre los hogares españoles

Author

Listed:
  • Luis Miguel Guirola

    (Universidad de Barcelona)

  • Carlos Isla Martínez

    (Banco de España)

Abstract

Motivación Los criptoactivos han ganado relevancia como fenómeno económico y social asociado a nuevas formas de gestionar el ahorro y la inversión. Este artículo analiza su grado de penetración en España, las características de quienes los poseen y su peso en la riqueza financiera de los hogares. Ideas principales •La exposición directa de los hogares españoles a los criptoactivos es limitada. El 4,8 % de la población en España poseía criptoactivos en 2021 y, para el 80 % de los hogares tenedores, su peso en la cartera financiera no superaba el 10 % en 2022. •La tenencia de criptoactivos es más frecuente entre hombres jóvenes, con un mayor nivel educativo y mayores conocimientos financieros. Se consideran tolerantes al riesgo, afirman planificar sus finanzas e invierten en activos como acciones o fondos de inversión. No muestran rechazo al sistema financiero tradicional. •Un 0,6 % de los hogares concentra una parte sustancial de su patrimonio en criptoactivos, lo que implica una mayor exposición a los riesgos asociados a estos activos.

Suggested Citation

  • Luis Miguel Guirola & Carlos Isla Martínez, 2025. "La tenencia de criptoactivos entre los hogares españoles," Boletín Económico, Banco de España, issue 2025/T3.
    • Handle: RePEc:bde:joures:y:2025:i:03:n:06
    DOI: https://doi.org/10.53479/40588
    as

    Download full text from publisher

    File URL: https://www.bde.es/f/webbe/SES/Secciones/Publicaciones/InformesBoletinesRevistas/BoletinEconomico/25/T3/Fich/be2503-art06.pdf
    Download Restriction: no
    File URL: https://libkey.io/https://doi.org/10.53479/40588?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    More about this item

    Keywords

    ;
    ;
    ;
    ;
    ;
    ;
    ;

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G11 - Financial Economics - - General Financial Markets - - - Portfolio Choice; Investment Decisions
    • G53 - Financial Economics - - Household Finance - - - Financial Literacy

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:bde:joures:y:2025:i:03:n:06. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Ángel Rodríguez. Electronic Dissemination of Information Unit. Research Department. Banco de España (email available below). General contact details of provider: https://edirc.repec.org/data/bdegves.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.