Visa study shows stablecoin usage intent rises with bank-level safeguards in U.S.
Consumer openness to stablecoins increases when the digital assets are paired with protections more commonly associated with traditional banking. In Visa's latest survey, intended usage among U.S. adults rises to 56% from 36%, even as many Americans remain unfamiliar with the category.
Highlights
- Visa and Morning Consult survey of 2,192 U.S. adults shows stablecoin usage intent rises from 36% to 56% with bank-level fraud protection and deposit insurance.
- Survey results indicate familiarity, product design, and perceived safety are significant factors for U.S. consumer consideration of stablecoins as digital payment assets.
- Visa's study highlights strong potential demand for stablecoins in U.S. payments if consumer trust protections mirror regulated financial services, despite persistent gaps in public understanding.
Survey findings on safeguards and demand
As reported by The Block, citing Visa, a new study finds that stablecoin adoption intent rises from 36% to 56% when respondents are told the assets include bank-level fraud protection and deposit insurance. The findings come from a Morning Consult survey of 2,192 U.S. adults conducted between February 24 and March 2.Participants receive definitions of key terms, including stablecoins, before answering the survey. The results suggest familiarity, product design and perceived safety measures remain important factors in whether consumers consider using digital payment assets.
Implications for U.S. payments and crypto adoption
The data points to a potential path for broader stablecoin use in the U.S. payments market, where consumer trust protections remain a central issue. For financial companies and crypto firms, the survey indicates demand may strengthen if stablecoin products more closely resemble regulated banking services in how they address fraud and losses.The findings also highlight a gap between possible demand and current public understanding of the asset class. While interest rises sharply under a stronger protection framework, unfamiliarity with stablecoins still appears to limit immediate mainstream adoption.
In our earlier coverage of Revolut and Nubank’s U.S. expansion, we examined how both digital banks are pursuing growth through conditional U.S. banking charter approvals and phased product rollouts. We also noted Nubank’s plan to pair its U.S. account with a global account that enables dollar- and euro-backed stablecoin transactions, underscoring how regulatory footing and trust signals can shape adoption.
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