Visa survey shows US stablecoin adoption would jump to 56% with bank-level fraud protection and deposit insurance, with trust in the issuer being the primary driver.
DeFi & Yields ·
A Visa survey found that American willingness to use stablecoins would more than double if they carried bank-level fraud protection and deposit insurance, rising from 36% to 56%, though no stablecoin currently offers deposit insurance. The poll of 2,192 U.S. adults, conducted in late February 2026, revealed that trust in the provider matters more than the underlying technology—64% of respondents said the issuer influences their confidence in a payment method more than technical factors, and intent to use stablecoins climbed to 45% when offered by an existing financial institution.
Awareness remains a significant barrier, with over half of Americans having never heard of stablecoins, and many confusing them with volatile assets like Bitcoin. Fraud concerns are widespread: more than a third of U.S. respondents reported encountering fraud, and 45% said they would accept a 24-hour delay on money transfers in exchange for stronger protection against fraud and deepfakes.
Visa itself operates as a founding validator on Circle's Arc blockchain and processes more than 90% of stablecoin card transactions, which totaled $18 billion in 2025. Stablecoins are increasingly used in cross-border money flows, though exact market penetration rates and which institutions plan to issue insured stablecoins remain unclear.