Liverpool’s most famous sons once sang that money can’t buy love. But it seems something has changed with Bitcoin on the horizon. Today, Liverpool has topped the charts as the UK’s crypto capital. According to research conducted in June 2025, 13 % of the city’s residents regularly invest in cryptocurrency and monitor related stocks – the highest figure among all cities in the country. What exactly has transformed the city into a hub for digital finance, and what does this threaten or promise for local residents – read more in this article on liverpool-future.com.
Impressive Statistics
The aforementioned survey was carried out by the telecommunications company Openreach. It revealed that 13% of respondents from Liverpool regularly invest in cryptocurrency and check related shares. Is that a lot or a little? It’s more than in any other city in the UK.
Of course, other cities had their own bragging rights. But Liverpudlians outpaced everyone in cryptocurrency operations – outdoing Londoners, who are unmatched in dating app usage, Mancunians, avid Instagram enthusiasts, and Sheffielders, who prefer TikTok and music streamers. But how did Liverpool develop such a fondness for cryptocurrency?
Most likely, Liverpudlians are simply more practical than residents of other cities. While others mindlessly “scroll through feeds,” Liverpool is making investments. Its residents prefer to earn rather than kill time. And this isn’t just about lifestyle. It’s also about a shift in mindset: digital assets are becoming a serious alternative to traditional investing. While the average Brit spends 3.5 hours a day online, Liverpudlians seem to have found a way to turn that time into profit.
Of course, the digital era also has a downside. 43% of those surveyed nationwide admitted that they often waste time online, and 37% are concerned about “doom-scrolling” – uncontrolled news consumption. But in this sense, Liverpool stands out again: instead of mindless surfing, residents of this city are increasingly opting for strategic engagement with financial instruments.
Amidst this growing interest in crypto, new challenges are emerging. The UK government has announced new regulations for cryptocurrency circulation: from January 2026, all relevant platforms will be required to collect full user information, including address and tax ID. And for each violation, companies will face a £300 fine. These reforms are designed to strengthen tax discipline, but at the same time, they could affect the open digital culture that Liverpool is so actively building.
Why Liverpool Became the Crypto Capital
The fact that Liverpool has emerged as a leader in cryptocurrency activity in the UK might seem surprising to those accustomed to seeing financial trends in London, or at least Manchester. But if you dig deeper, everything falls into place. This is no accident, but the result of a series of factors that, over time, have made Liverpool a digital leader.
Let’s start with the fact that Liverpudlians are more digitally savvy than anyone else. This city has long moved beyond tourist trails and Merseybeat: a generation of people is forming here who seek growth opportunities in IT. A high level of digital literacy and openness to new financial instruments are, in essence, fertile ground for the development of the crypto market. The figure of 13% active cryptocurrency investors is eloquent proof of this.
But it’s not just about technology. A local community has long formed in Liverpool that operates on a different script: instead of competing, it unites. There are themed meetings, training programmes, clubs, and online platforms where newcomers can learn, and experienced players can share knowledge. This atmosphere makes it extremely convenient to learn to think strategically, even when risks are involved.
The technical infrastructure is also catching up. Openreach’s research showed that residents’ digital activity is directly linked to the quality of their internet connection. And Liverpool is thriving here: fast network access, the presence of IT companies, start-ups, and tech parks – all of this creates an ecosystem where crypto ceases to be a niche topic. It’s part of the everyday economy.
One cannot overlook the psychological component either. Liverpool has a distinctive financial temperament. This city has always been ready to seek new paths. Historically – through its port, trade, and industrial changes. Now – through digital assets. Cryptocurrency has become yet another answer to the question “what next?”, and Liverpool, it seems, has found the right direction again.
To summarise, the formula for leadership looks like this: technical base + cultural identity + educational environment + financial intuition.
Cryptocurrency as a Challenge for the City of the Future
Being ahead in investment matters always means being willing to take risks. Liverpool, as Britain’s crypto outpost, is now the subject of close scrutiny: from investors, regulators, fraudsters, and even sociologists. The new rules mentioned above are not popular with everyone and are still sparking new protests. For cities with the most such users, this means a new level of responsibility and a fresh wave of discussions about transparency, security, and digital freedom.
However, if Liverpool manages to maintain a balance between progress and caution, it can not only solidify its status as a cryptocurrency hub but also become a benchmark for digital culture in Europe. In other words, instead of simply mining the future, the city can design it.
