[Federal Reserve Report: Generative AI Penetrates the Workplace, Cryptocurrency Usage Rebounds to 10%] According to the Federal Reserve's 2025 SHED report, 25% of employees use generative AI for work, with 81% of users believing it saves time. The usage rate among employees with graduate degrees (43%) is four times higher than those with a high school education or below (10%). Cryptocurrency usage has rebounded to 10%, up 2 percentage points from 2024, but still below the 2021 peak. The majority of usage is for investment holding (9%), with actual payment scenarios being rare (2%). The irrecoverable loss rate from crypto fraud stands at 65%, significantly higher than other payment methods.