Visa Survey: Willingness to Use Stablecoins Among Americans Would Rise to 56% if Bank-Level Protections Are Offered

September 24 — A report titled "Money Travels 2026" released by Visa shows that if stablecoins could offer bank-like fraud protection and deposit insurance, the willingness of U.S. consumers to use stablecoins for cross-border transfers would rise from 36% to 56%.

The survey shows that awareness of stablecoins remains a major obstacle, with 56% of U.S. respondents saying they have never heard of stablecoins. When stablecoins are offered by existing financial service providers, willingness to use them rises to 45%; 61% of respondents said they would be willing to trust traditional banks to provide digital currency services, and 60% would be willing to trust global payment networks.

Visa emphasized that stablecoins currently do not enjoy FDIC deposit insurance, and that the above figures are based only on hypothetical scenarios and do not mean that such protections are about to be introduced.

The survey was conducted by Morning Consult from February 24 to March 2, covering 45,445 people across 20 markets, including 2,192 U.S. adults. In Latin America, if such protections were provided, consumers' willingness to use stablecoins for cross-border transfers would rise from 34% to 74%.