TLDR
- Visa’s Money Travels 2026 survey found stablecoin adoption intent could rise from 36% to 56% if bank-level fraud protection and deposit insurance were added.
- The survey polled 2,192 US adults through Morning Consult between February 24 and March 2, 2026.
- 64% of respondents said trust in a payment method depends more on the provider than the technology behind it.
- 56% of respondents said they had never heard of stablecoins before taking the survey.
- Total US dollar-pegged stablecoin supply now sits above $295 billion, led by USDT and USDC.
Visa released a new survey this week showing that many Americans would be more willing to use stablecoins if the assets came with protections similar to those offered by banks. The report, called Money Travels 2026, was based on a Morning Consult poll of 2,192 US adults.
JUST IN: 🇺🇸 A Visa survey finds U.S. interest in stablecoins jumped from 36% to 56% when paired with bank-level fraud protection and deposit insurance.
For 64%, trust depends more on the payment provider than the technology. 💸 Total stablecoin supply now exceeds $295B. pic.twitter.com/HQHhhPUIZ4
— Bitcoin.com News (@BitcoinNews) September 23, 2026
The survey found that stablecoin adoption intent could climb from 36% to 56% in a scenario where bank-level fraud protection and deposit insurance were available. Respondents were given definitions of financial terms, including stablecoins, before answering questions.
Trust Depends on the Provider
According to Visa, 64% of people said their trust in a payment method depends more on who offers it than on the underlying technology. Willingness to use stablecoins rose from 36% to 45% when the option was offered through an existing financial provider, such as a bank the person already uses.
Traditional commercial banks and global payment networks came out as the most trusted providers of digital currency services. Visa found that 61% of respondents trusted banks, while 60% trusted global payment networks.
Stablecoins are still unfamiliar to a large share of US consumers. Visa reported that 56% of respondents said they had never heard of stablecoins. Some who had heard the term wrongly believed stablecoins fluctuate in price the way bitcoin does.
Regulation Is Still Taking Shape
The survey comes as companies prepare for the Guiding and Establishing National Innovation for US Stablecoins Act, known as the GENIUS Act. The law is still waiting on finalized rules from federal financial agencies. Its effective date is expected in January 2027.
Under the GENIUS Act, stablecoins issued in the US will still not carry FDIC insurance or explicit fraud protection when the law takes effect. The act does include guidelines meant to address illicit activity tied to stablecoin use.
In Europe, regulators are also reworking stablecoin rules. On Tuesday, the European System of Central Banks proposed changing requirements that force stablecoin issuers to hold at least 30% of reserves as bank deposits, or 60% for larger tokens. The group suggested liquidity thresholds instead, citing risks from users pulling deposits quickly.
The proposed changes fall under the EU’s Markets in Crypto-Assets framework, which began enforcing stablecoin rules in June 2024. Payments company Decta reported that the market value of euro-pegged stablecoins meeting these rules more than doubled from 2025 to 2026.
Dollar-pegged stablecoins continue to dominate the global market. The Block’s data shows total dollar stablecoin supply above $295 billion. Tether’s token holds about $183.4 billion of that total, while Circle’s token holds close to $76 billion.
Visa also noted that stablecoin settlement volume passed a $20 billion annualized run rate earlier this month. That figure is more than fifteen times higher than it was a year earlier, with over 160 stablecoin-linked card programs now active worldwide.
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