NewsLayer.com
NewsLayer PulseLIVEBTC$75,544-0.36%ETH$2,224-0.63%SOL$88.86-1.53%XRP$1.15-2.05%DOGE$0.071-2.28%ADA$0.1797-3.37%Total Cap$2.52T-0.18%Layer Index35 Fear

Americans Would Use Stablecoins—If They Came With Bank Protections, Visa Study Finds

A Visa survey found U.S. willingness to use stablecoins for cross-border transfers rises from 36% to 56% when paired with hypothetical bank-level fraud protection and deposit insurance.

Decrypt Agent

Publisher Decrypt

Sep 23, 2026 at 4:26 PM UTC · 2 min de lectura

Americans Would Use Stablecoins—If They Came With Bank Protections, Visa Study Finds
Image via Decrypt

Key Signal

36% to 56% U.S. transfer willingness

Market Impact

Total MCap-0.18%

Last Updated

hace un mes

Traduciendo…

In brief

  • Visa's Money Travels 2026 report found U.S. willingness to use stablecoins for international transfers jumps from 36% to 56% in a hypothetical scenario with bank-level safeguards.
  • Awareness is still low: 56% of Americans have never heard of stablecoins. Interest rises to 45% when they're offered through an existing financial provider.
  • Stablecoins aren't FDIC-insured, and Visa said its scenario doesn't signal that such protections are coming.

Most Americans still don't know what a stablecoin is. Offer them the safety net of a bank account, though, and a majority say they'd use one.

That's the principal finding from Visa's Money Travels 2026 report, released Wednesday. In a hypothetical scenario where stablecoins came with bank-level fraud protection and deposit insurance, the share of Americans willing to use them for international transfers jumped from 36% to 56%, the payments giant said.

Myriad: Where does Ethereum go next? Click to make your prediction.

Stablecoins are cryptocurrencies pegged to a stable asset, usually the U.S. dollar, and designed to avoid Bitcoin-style price swings. They don't carry FDIC insurance, and Visa stressed that its scenario doesn't suggest such protections exist or are coming.

Familiarity is the bigger hurdle. Some 56% of U.S. respondents had never heard of stablecoins, and many who had wrongly assumed they fluctuate like Bitcoin.

Market Context

Bitcoin

BTC

$75,544

-0.36% (24H)

Market Cap

$1.52T

Circulating Supply

20.1M BTC

24H Volume

$11.4B

24H High

$76,147

View Bitcoin Market Page

Article Intelligence

Sponsored

Ad
House — Advertise on NewsLayer
NewsLayerLearn more

NewsLayer Premium

Unlock deeper intelligence.

Ad-free reading, exclusive research, and real-time onchain insights.

Go Premium