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FollowingVisa survey: Bank-level fraud protection and deposit insurance or driving adoption of stablecoins by U.S. users
Visa has published the results of a survey showing that bank-level fraud protection and deposit insurance for stablecoin applications in cross-border transactions may be key factors driving adoption by U.S. users. [TAG
Visa released data on Wednesday from a survey of 2,192 U.S. customers showing that U.S. users '"willingness to adopt" stablecoins is expected to rise from 36% to 56%"assuming bank-level fraud protection and deposit insurance" scenarios. The study, conducted by Morning Consult between February and March, found that when asked about financial terms such as stablecoins, Americans are seeking faster and cheaper ways to send money across borders.
Visa notes: "Nearly two-thirds (64%) of respondents say trust depends more on the provider of the payment method than on the technology itself." The agency added,"If stablecoin services are provided through existing financial service providers, users 'willingness to use them will increase from 36% to 45%."
The investigation proposes bank-like protection measures for U.S. stablecoin issuers, as companies prepare for the promulgation of the National Innovation Act to Guide U.S. stablecoin (GENIUS Act). Before the bill is expected to take effect in January 2027, it still needs to wait for major U.S. financial institutions to determine final implementation rules.
与传统金融机构（如银行）的产品不同，稳定币缺乏许多防欺诈保护措施，且未受到联邦存款保险公司（FDIC）提供的存款保险覆盖。根据GENIUS法案的规定，自明年1月起，美国发行的稳定币预计仍将不享受FDIC保险或明确的欺诈保护，但将包含旨在打击非法活动的指导原则。
欧盟央行呼吁修改稳定币最低银行存款要求
周二，欧洲中央银行体系呼吁修改相关规则，目前规定稳定币必须至少将30%的准备金以银行存款形式持有，对于“重要”代币则要求达到60%。该组织转而主张对资产设定流动性阈值，理由是用户快速提取存款可能带来潜在风险。
这些关于欧盟银行如何处理稳定币的建议变更，属于欧盟《加密资产市场》（MiCA）框架的一部分。该框架已于2024年6月开始执行其稳定币相关规定。
根据支付基础设施公司Decta的数据，符合规定的欧元稳定币市值从2025年到2026年翻了一番以上，这发生在MiCA过渡期结束之前。以美元计价的代币（如USDC和USDT）继续领跑稳定币市场，两者总市值约为2600亿美元。
