Most stablecoin users want their banks to make it easy for them to buy and spend stablecoins for regular transactions, according to a new survey compiled by YouGov.
About 77% of the 4,658 respondents said they would open a cryptocurrency wallet or stablecoin within their banking or fintech app if one were available.
The survey, commissioned by cryptocurrency exchange Coinbase (COIN) and stablecoin infrastructure provider BVNK, also found that 71% of users would use a debit card linked to a stablecoin. The survey was conducted from September to October 2025.
Stablecoins are cryptographic tokens whose value is tied to a real-world asset. The most popular, Tether’s USDT and Circle Internet’s USDC (CRCL), are digital versions of the US dollar, although other currencies are also available. The total market capitalization has grown 50% since the beginning of 2025, according to data tracked by DeFiLlama, and surpassed $300 billion for the first time in October.
While stablecoins are widely used in cryptocurrency trading, the results highlight the extent to which they have penetrated the traditional financial economy, driven especially by the evolving regulatory environment.
“Users want stablecoins to behave like money they already know,” BVNK summarized.
According to the survey, stablecoin users earn an average of 35% of their annual earnings in such tokens, while 73% of freelancers and contractors reported an improvement in their ability to work with international clients thanks to stablecoins.
The expansion of formal regulation of stablecoins in major jurisdictions, such as the GENIUS Act in the US, could give banks the confidence to start offering crypto tools like wallets.
“By codifying transparency and cybersecurity standards, the Act classifies these assets as trusted cash equivalents,” Alec Lovett and John Turner of Coinbase said in the report. “This clarity has bolstered institutional trust while strengthening consumer protection, which we predict will drive adoption in the coming months and years.”
