Visa’s research and related surveys show that U.S. willingness to use stablecoins is highly conditional on perceived protections: in a hypothetical scenario where stablecoins came with bank-level fraud protection and deposit insurance, willingness for international transfers rose from 36% to 56%. Awareness remains low—56% of U.S. respondents had never heard of stablecoins—yet interest climbs to 45% when the product is offered through an existing financial provider, and respondents reported 61% trust in traditional banks and 60% trust in global payment networks.
Independent polling and industry data quantify the protection premium: FIS found 74.8% would consider bank-offered stablecoin services and 66.3% said FDIC-style insurance would increase their likelihood to use them. Visa reports $20 billion in annualized stablecoin settlement volume, retail-sized transfers under $250 grew from $0.5 billion in 2019 to $69.8 billion in 2025, and over 160 stablecoin-linked card programs operate globally, with payment volumes up sharply. The GENIUS Act, signed July 18, 2025, introduced reserve and consumer-protection rules that reshaped issuer incentives. Security concerns also persist—36% of U.S. remitters reported encountering a cross-border scam and 44% fear AI deepfakes—and market positioning differs between issuers: Circle’s USDC is presented as more aligned with a bank-integrated future, while Tether’s USDT faces transparency questions.
This summary is composed by the cFlash AI editor from multiple public sources, under human supervision. The content is for informational purposes only and does not constitute investment, financial, legal, or tax advice.