Capture More Donor Wealth with Crypto and Stock
Changes to tax law may mean wealthy donors will give less this year. Cryptocurrency and stock donations may be your key to capturing more wealth.
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Changes to tax law may mean wealthy donors will give less this year. Cryptocurrency and stock donations may be your key to capturing more wealth.
Join the fundraising movement! Join the fundraising movement!The One Big Beautiful Bill Act, signed into law in 2025, introduces several changes that are predicted to decrease major giving.
According to a Lilly Family School of Philanthropy study, the 0.5% floor on itemized deductions is estimated to decrease giving by $2.43 billion annually. And the 35% cap on the value of deductions for some filers could cause an additional decrease of $6.1 billion.
When major donors don’t see as much of a tax incentive, they may be less likely to give. To shore up your fundraising strategy and attempt to capture more wealth from these donors, now is the time to invest in cryptocurrency and stock giving tools.
In 2025, 62% of Americans reported owning stock, which has held steady since 2023. This follows a decade-long dip in stock ownership to 50% from 2010 to 2022.
Crypto ownership has grown from just 15% in 2021 to 28% in 2025. And 61% of those current crypto owners plan to purchase even more crypto in 2026, with 6% of non-owners reporting they plan to join the crypto market.
The donor pool is there. But are they giving?
Both types of giving saw significant increases in total amounts given in 2025, according to The Giving Block.
While stock giving has been popular for years, technological advances have made this type of donation even easier. This results in more funds given. The Giving Block reports the average stock gift size in 2025 was $51,250, a 29% year-over-year increase.
Similarly, crypto philanthropy was a big source of major giving, with 1 in 5 nonprofits using The Giving Block raising over $100,000 in cryptocurrency.
This chart, courtesy of The Giving Block, showcases the most donated cryptocurrencies in 2025:
This type of giving still provides a ton of value to donors, even with the new limits on deductions. Here’s why investing in this type of giving is still a viable and necessary step.
Despite decreased incentives in tax deduction, there are still several benefits of giving assets like stock and crypto.
While donors may be limited on the amount of deduction they can claim for charitable giving, donating stock and crypto still allows them to avoid paying capital gains taxes.
Depending on how long donors hold these assets, they could be facing steep long-term capital gains taxes of up to 20%, depending on income.
Donating those assets to a 501(c)(3) nonprofit allows donors to avoid paying federal (and typically state) capital gains tax on the appreciated value.
Due to the volatility in the stock market these days, donors with heavy stock assets might benefit from donating concentrated, appreciated stock in order to rebalance their portfolio and mitigate risk.
Supporters can once again avoid paying capital gains tax, enjoy tax deductions (even if they might be more limited than in years past), and reduce their concentration risk.
Additionally, in some circumstances, donors can enjoy a step-up in cost basis by donating an appreciated stock and purchasing the same stock again, thereby reducing future tax liability.
By avoiding paying capital gains taxes, donors giving crypto or stock end up sharing more wealth with nonprofits than they would if they sold the asset themselves and donated the net proceeds.
Additionally, stock and crypto giving empower donors who might not otherwise have significant liquid assets to still be generous.
Donating cryptocurrency allows for truly anonymous giving via wallet transfer. This might be attractive to donors who wish to enjoy the benefits of giving but aren’t interested in being recognized as a major donor.
However, if they wish to deduct their gift from their taxes, they will need to provide contact information to the organization to receive a tax receipt.
Learn how to share the benefits of stock or crypto giving and answer any donor objections in our free guide.
Donors aren’t the only ones enjoying the perks of giving these types of assets. Here’s how you’ll benefit.
Because of the benefits and reasons listed above, donors are traditionally able to give much higher amounts when donating stock or cryptocurrency.
The numbers are staggering. At Donorbox, the average stock donation is almost 9,000% bigger than the average donation made with a credit card. And the average crypto donation is close to 2,000% bigger.
And this is replicated across the market. The Giving Block’s 2026 Annual Report on Crypto Philanthropy states that 39% of cryptocurrency donations fell into the major donors category ($5K to $100K).
Accepting crypto donations is an opportunity to capture greater wealth – and connect with wealthier donors.
According to The Giving Block’s Getting to Know Crypto Donors Report, the average cryptocurrency donor is 38 years old, with an annual average income of $100,000. This younger, affluent, and issues-oriented donor is more likely to give $1,000+ annually.
Accepting crypto donations gives you an opportunity not only to capture more wealth, but to connect with this generation and begin building relationships that result in high lifetime values for each donor.
Additionally, the Great Wealth Transfer – where $124 trillion will move from Baby Boomers to younger generations – will provide even more opportunity for these younger donors to be generous with the causes they care about.
Ultimately, stock and crypto philanthropy might be your bridge to preserving some of your major donations in 2026 and beyond.
Wealthy, generous people with holdings in stock and crypto are out there, and may be looking for a way to maximize their benefits while still making a difference.
To start collecting donations of crypto and stock, you need to:
And remember, accepting stock and crypto donations is just one small part of a healthy fundraising strategy. Looking for a fundraising partner to help you grow? Sign up for Donorbox and start fundraising in just fifteen minutes.
For more strategies to maximize your fundraising, check out the rest of our Nonprofit Blog.
Lindsey spent years wearing many hats in the nonprofit world. Whether she was helping arts nonprofits with their messaging and content, planning a fundraising gala, writing an NEA grant proposal, or running a membership program with over 400 members, she learned how to navigate – and appreciate! – the fast-paced world of fundraising. Now, she loves sharing those hard-earned lessons with the Donorbox community.
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