According to a survey by the Financial Industry Regulatory Authority (FINRA), 55% of Gen Z in the United States prefer to invest in cryptocurrencies. Gen Z prefers on-chain rather than online finance. It believes that digital banking platforms are unwieldy and opaque. Gen Z prefers to manage their finances on-chain through decentralized financial applications and digital dollar stablecoins. It is reported that Generation Z refers to the generation of people born between 1997 and 2012 who are now between the ages of 12 and 27.