A new survey from OKX reveals that Americans increasingly find knowledge in financial education and digital assets attractive in a partner, with 21% stating that receiving crypto as a gift on Valentine's Day would be a 'stimulus.'

The data indicates that currently, having financial knowledge has become an evident advantage in the context of relationships.

Millennials and Generation Z redefine attraction based on financial management

The survey conducted with 1,000 Americans shows that 66% believe that knowledge about personal finance makes someone more attractive. The percentage is even higher among younger generations: 76% of Generation Z and 75% of Millennials value financial education in their partners.

Millennial women and Generation Z men are among those who prioritize financial knowledge the most, both at 77%. The data shows that, regardless of gender, for young people who are dating, understanding the financial universe is not just a matter of practicality, but also integrates personal appeal.

"The results show that this goes beyond recent economic changes. For example, among Generation Z, 76% find financial education attractive; this group has been influenced by over a decade of economic uncertainties, including the pandemic, student debt, and difficulty accessing homeownership. For them, financial competence is essential," said a spokesperson from OKX to BeInCrypto.

Owning crypto is neutral, but understanding it is attractive

In addition to traditional financial education, being familiar with digital assets, such as crypto and digital wallets, is also viewed positively. More than half of men, between 52% and 55%, and 49% of women stated that understanding digital assets increases a partner's attractiveness.

This scenario raises a broader question: is financial education becoming more valued for signaling stability in uncertain times, or are Americans really more engaged with financial topics?

The spokesperson commented that the search for stability remains, but the concept of 'stable' is changing for new generations.

"It's no longer just about having a fixed salary. The focus is on adaptability, understanding how markets work, feeling comfortable with new financial tools, and making informed decisions. The fact that 52% of Americans find knowledge about digital assets attractive indicates a valuation of curious people who are connected to changes in money," explained the spokesperson.

Among Millennials, 66% share this view, closely followed by 65% of Generation Z. Among Baby Boomers, only 37% express this opinion.

The possession of digital assets is still seen in a more neutral way. In total, 17% of Americans claim that having crypto makes someone more attractive.

This number rises to 30% among Millennials and 28% in Generation Z. Despite this, 64% of respondents claim to be indifferent.

The representative of the exchange emphasized that people differentiate knowledge from possession. He added:

"It is important to note that there was no negative sentiment regarding possession. The majority (64%) remained neutral about having crypto. Therefore, few penalize those who own it; they just don't consider it a differentiator, as happens with knowledge."

Would crypto be a good gift for Valentine's Day?

If financial knowledge increases the appeal in relationships, the next question is whether digital assets translate into romance. For most, crypto is still not a guarantee of success as a Valentine's Day gift, although younger people show greater receptivity.

Overall, 21% of Americans — including 25% of men and 17% of women — said that receiving crypto on the date would be a 'boost.' On the other hand, 35% prefer something traditional, and 44% claim to remain indifferent.

Among Millennials, this percentage reaches 34%. Generation Z is close behind, at 31%, with Generation Z men being the most open to crypto as a gift, at 39%.

"The conclusion? Giving crypto as a gift is still not common practice, but it is advancing among digital natives," wrote OKX.

Access, not demand, slows crypto use in dating app transactions

Despite the growing interest, the effective use of crypto in transactions during dates remains limited. Only 5% reported having paid for a date with crypto. Among Generation Z, the rate is 13%, compared to less than 1% of Boomers.

Another 6% of respondents said they had already contributed by sending crypto after the traditional payment of the bill, a percentage that rises to 14% among young Generation Z.

The obstacles vary by age group. Among Generation Z respondents who have never used crypto to pay for a date, 37% cited lack of access as a reason. Among Boomers, the resistance is more cultural than logistical, with 65% pointing to discomfort in making such payments.

"The data shows that it's more about access than demand," assessed the spokesperson. "What is still under development is the payment infrastructure at the point of sale, such as the ability to pay by tapping, similar to using a card or phone."

OKX concluded that, although crypto is still not a universal advantage in the world of relationships, financial education stands out. As younger generations adopt both traditional financial management skills and emerging digital assets, the message for those dating today is clear: knowledge about money management, whether traditional or digital, seems to have more impact than 'showing what you own.'

The article Knowing about crypto makes you more attractive? A new survey says yes was first seen on BeInCrypto Brazil.