Americans Would Use Stablecoins—If They Came With Bank Protections, Visa Study Finds
Visa’s Money Travels 2026 report says Americans are far more willing to use stablecoins for international transfers if they come with bank-like protections. Willingness rose from 36% to 56% in a hypothetical scenario with fraud protection and deposit insurance, and to 45% when offered through an existing financial provider. Trust is the main barrier: 56% of U.S. respondents had never heard of stablecoins, and many confuse them with volatile crypto like Bitcoin. Americans said they would trust a traditional bank or global payment network more than a new crypto provider. The pattern was even stronger in Latin America, where interest jumped from 34% to 74% with protections. Visa frames the issue as one of trust and scam prevention, especially for cross-border remittances. The survey covered 45,445 people across 20 markets. Visa is also expanding stablecoin infrastructure, with annualized settlement volume above $20 billion.
