This study aims to explore individuals’ intention to adopt digital currency such as cryptocurrency based on the Big Five Personality Traits, Financial Risk Tolerance and Theory of Planned Behaviour. A self-administrated online questionnaire was distributed across Malaysians aged more than 21 years old. A total of 240 usable data was used for the data analysis. The measurement model and structural model were run using PLS-SEM to ensure the reliability and the validity of the model to test the hypotheses. The findings show that results in the subjective norms, attitude towards cryptocurrency, perceived behavioural control and financial risk tolerance positively influence the intention of cryptocurrency adoption. The antecedents of Big Five Personality traits such as openness, conservatism, extraversion and neuroticism also affect financial risk tolerance. This study provides new insights to financial institutions and Malaysia about consumers’ attitude and behavioural intention to adopt cryptocurrency. Thus, this is crucial for regulators to create policy that can help to develop and enhance FinTech’s usage in our country as it is still immature in Malaysia.