Binance has announced the results of a new study by its analytical unit Binance Research.
Data shows that Zoomers start investing earlier, are more likely to have financial education, and are less likely to choose higher-risk instruments.
Meanwhile, leveraged ETFs, i.e. exchange-traded funds with a higher level of risk, account for only 5,9% of Generation Z's trading turnover, less than any other generation.
30% of Zoomers started investing in college or early adulthood, compared to 15% of millennials, 9% of Gen Xers, and 6% of baby boomers.
Starting early doesn’t mean making hasty decisions. 77% of Zoomers say they have formal financial education, meaning they have received organized training in finance and investing. Among millennials, this figure is 69%, and among Gen Xers, it is 58%.
Zoomers are the largest group among direct stock trading users on Binance and bStocks, accounting for 44% of users on both products.
bStocks are tokenized securities. Simply put, they are digital instruments whose value is tied to the underlying stock or exchange-traded fund. Another product, TradFi-Perps, are perpetual contracts that allow you to trade on the price of a stock without directly purchasing it. They have no set expiration date. Among their users, the share of boomers and millennials is about 45% each.
Among those who use all three products, 48% are Zoomers, 33,6% are Millennials, 13,6% are Gen Xers, and 4,9% are Baby Boomers.
The share of zoomers among new users is also growing: from 41% in January 2026 to 47% in July.
More than 90% of users of these products in every age group live in emerging economies, including 92% of millennials, 96% of baby boomers, and 95% of Gen Z.
Young investors from these countries, with portfolios of less than $2,000, make up 13% of Binance Direct Stocks users. For many of them, Binance has become the first way to gain access to US stocks.
Young investors coming from crypto platforms are often seen as prone to aggressive trading and speculation. The numbers show otherwise.
Leveraged ETFs account for only 5,9% of Gen Z trading volume. Such ETFs amplify the movement of the underlying index, so the potential gains and losses behind them can be greater.
Among millennials, the share of such tools is 6,9%, among Generation X — 6,2%, and among baby boomers — 8,1%.
Young users with a portfolio of less than $2,000 trade less frequently: an average of 2,6 trades per day versus 3 trades among other users.
The first trade is most often NVIDIA shares, accounting for 20%. Micron is in second place with 8%. Tesla, Apple and the Nasdaq-100 index fund are next.
About 60% of equity investments are in information technology and communications services companies. About 26% of all investments are in semiconductor manufacturers, which belong to the technology sector.
Small portfolios don't hinder trading volume. Since the beginning of 2026, buzzers have accounted for about $80 billion in trading volume in Binance products related to traditional financial assets. Monthly trading volume has grown by about 24%.
bStocks and TradFi-Perps allow you to monitor prices 24/7, buy a fraction of an instrument instead of a whole share, and settle the trade immediately. This gives users with small portfolios access to the global market without a local brokerage account.
