Visa Study Says Bank-Style Protections Could Push Stablecoin Use Sharply Higher

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Visa says U.S. willingness to use stablecoins rises from 36% to 56% when hypothetical bank-level fraud protection and deposit insurance are added.

The study covered 2,192 U.S. adults and more than 45,000 respondents across 20 markets.

The findings suggest trust and consumer protection may be a bigger barrier to mainstream stablecoin use than the underlying technology.

Stablecoins have spent years getting faster, cheaper and easier to move. Visa’s latest research suggests the next adoption problem may be much less technical.

Visa’s Money Travels 2026 study found that 36% of U.S. respondents would consider using stablecoins under the base scenario. That rises to 45% when the product is offered through an existing financial provider, then jumps to 56% when hypothetical bank-level fraud protection and deposit insurance are added.

The Biggest Adoption Lever May Be Familiar Protection

That is a useful result because stablecoin products are often marketed around settlement speed and cost.

Consumers appear to care just as much about what happens when something goes wrong.

Visa found that many users are willing to accept slower transfers in exchange for stronger safeguards. In the U.S., 45% of respondents said they would accept a 24-hour delay if it came with better fraud protection.

The study also found that 36% of Americans surveyed had encountered cross-border payment scams, while 44% were concerned about AI-enabled fraud such as deepfakes.

Those numbers help explain why a stablecoin can be technically superior to an older payment rail and still struggle to win over a mainstream customer.

Visa’s survey presented bank-style fraud protection and deposit insurance as hypothetical features.

Stablecoins are not automatically covered by protections such as FDIC insurance simply because they track the dollar.

The research therefore measures how consumers say they would behave if stronger safeguards existed, not the protections available to every stablecoin holder today.

The U.S. portion of the study was conducted by Morning Consult using 2,192 adults. Globally, Visa surveyed more than 45,000 people across 20 markets.

That is a large enough sample to make the broader message difficult to ignore.

Stablecoins may already have solved a lot of the movement-of-money problem.

The harder part is convincing ordinary users that the protections around the money are as dependable as the technology moving it.

This article was written by the News Desk and edited by Samuel Rae .

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