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

TL;DR 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. It is trust. 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 safeguard...