According to a Visa study published on Wednesday, more than half of Americans (56%) are willing to use stablecoins if they come with fraud protection and deposit insurance. Without these security measures, interest in stablecoins is only 36%. The study is based on a survey conducted by Morning Consult among 2,192 Americans from February 24 to March 2. The full survey covers 45,445 respondents in 20 countries and focuses on money transfers. Nearly two-thirds of respondents (64%) said that trust in a payment method depends more on the company offering it than on the technology itself. When an existing financial provider offers stablecoins, the willingness to use them increases to 45%. Traditional banks and global payment networks showed the highest trust in digital currency services, receiving 61% and 60% respectively. Globally, the trust level was 69%.
More than half of the respondents (56%) had never heard of stablecoins. Many of those who were aware of them assumed their value fluctuated like Bitcoin. Amid rising fraud levels, according to the report, one in four senders globally encountered fraud, including more than a third of Americans and 40% of Indians. About 44% of Americans express concern about AI-based deepfakes impersonating family members, and 45% are willing to wait an additional 24 hours for more reliable protection during transfers. In Japan, 68% of respondents agree to such a delay.
“The future of the industry will belong to those providers who work hardest to earn this trust,” – noted Vira Platonova, Global Head of Visa Direct. Visa is one of the founding validators on Circle’s Arc blockchain, alongside BlackRock, Mastercard, and DTCC. Payments using crypto-linked cards, where Visa processes over 90% of stablecoin transactions, reached $18 billion in 2025, according to Artemis data. Last August, the network added PayPal USD (PYUSD) and Global Dollar (USDG) to its list of stablecoins supported through Paxos, along with the Stellar and Avalanche blockchains. Visa stated that stablecoins are taking an increasing share in international transactions. There are about $312 billion in stablecoins in circulation, with Tether (USDT) accounting for $184 billion and Circle (USDC) – $76 billion.
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