A Visa survey published on 23 September 2026 suggests that consumer protections could influence Americans’ willingness to use stablecoins. The result measures stated interest under a hypothetical set of safeguards, rather than actual transactions or a change in legal protection.
Research checked: 26 September 2026. Reporting is based on the linked primary publication; analysis is identified in the text.
What respondents were asked to consider
Visa’s Money Travels research covered more than 2,000 US consumers. The company reports that interest in stablecoin use rose from 36% to 56% when respondents considered bank-like fraud protections and deposit insurance. Those numbers should not be read as a statement that stablecoins currently carry those protections. Visa also reports concern about AI-enabled impersonation in cross-border payments.
A survey is not a product guarantee
A payment can be fast while still exposing a user to issuer, custody or redemption risk. The promise that a token tracks a currency is a separate matter from protection if an intermediary fails or a transfer goes to the wrong recipient. Consumers therefore need to examine the specific product and provider. Insurance language in a questionnaire does not establish eligibility for insurance in the real world.
Related context: TBJ’s reporting on the wider effects of dollar stablecoins.
The business implication
For payment companies, the research points to trust as a possible barrier alongside convenience. But willingness expressed in a survey does not establish what people will do when confronted with fees, onboarding requirements or a disputed payment. Subsequent usage and complaint data would provide a stronger test. Readers comparing stablecoin services should focus on enforceable terms and recourse, rather than assuming that all digital dollars function like insured bank deposits.
Sources and reporting scope
Prepared from public sources with AI assistance. No original interviews or independent product testing are claimed. Cover and inline visuals are AI-generated illustrations.
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