Visa Study Shows Americans Would Use Stablecoins With Bank Protections
A Visa study reveals that a majority of Americans would be more willing to use stablecoins if they came with bank-level fraud protection and deposit insurance. The report, titled Money Travels 2026, found that willingness for international transfers using stablecoins increased from 36% to 56% under such conditions. However, many remain unfamiliar with the concept of stablecoins or mistakenly believe they are as volatile as Bitcoin. Trust in traditional financial institutions is a key factor influencing adoption. Over six in ten Americans expressed trust in banks and global payment networks for digital currency services. The study also highlighted concerns around scams and AI deepfakes affecting cross-border payments, with 36% of U.S. remitters having encountered such issues. Visa has been expanding its stablecoin infrastructure, achieving an annualized settlement volume above $20 billion in recent months. BlackRock estimates the market cap for stablecoins to be over $300 billion as AI agents are expected to drive further adoption.
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Topics: Bank Protections Cryptocurrency FDIC Insurance Stablecoins Visa Study