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USDG Visa survey shows that if bank-level fraud protection and deposit insurance are available, the willingness to use U.S. stablecoins will rise to 56%.
A study released by Visa on Wednesday showed that if stablecoins can provide bank-level fraud protection and deposit insurance, more than half of U.S. consumers expressed their willingness to use it. Specific data shows that in the absence of these safeguards, 36% are willing to use stablecoins; in the absence of safeguards, this proportion rises to 56%.
It should be noted that the above safeguard measures are only hypothetical scenarios. Visa made it clear in its report that there are currently no stablecoins that provide deposit insurance. However, the same scenario has aroused higher interest in Latin America, with a willingness to use it as high as 74%.
Fraud risks profoundly affect remittance behavior
This report, titled "Money Travels 2026," is based on a survey of 2,192 adults in the United States conducted by Morning Consult from February 24 to March 2. The survey covered 45,445 people in 20 markets around the world and focused on cross-border remittances.
TheSurvey shows that nearly two-thirds of Americans (64%) believe that trust in payment methods depends more on the provider than on the technology itself. When stablecoin services are provided by existing financial institutions, Americans 'willingness to use them increases to 45%. Traditional banks and global payment networks are the most trusted digital currency service providers, with trust levels of 61% and 60%, respectively. The global trust rate is 69%.
此外，超过半数的受访者（56%）从未听说过“稳定币”一词。研究发现，许多听过该术语的人误以为其价格会像比特币一样剧烈波动。
欺诈问题也是报告关注的重点。全球四分之一的汇款者曾遭遇欺诈，其中美国人的遭遇比例超过三分之一（约34%），印度人为40%。约44%的美国人担心人工智能深度伪造技术可能被用于冒充家人进行诈骗，45%的美国人表示，为了获得更强的安全保障，他们愿意接受转账延迟24小时。在日本，这一比例更高，达到68%。
Visa全球负责人Vira Platonova表示：“行业的未来将属于那些最努力赢得用户信任的服务提供商。”
Visa在稳定币领域的布局
在基础设施方面，Visa是Circle公司Arc区块链的创始验证节点之一，其他参与者包括贝莱德（BlackRock）、万事达卡（Mastercard）和美国存管信托与结算公司（DTCC）。根据Artemis的数据，通过Visa处理稳定币卡交易的业务在2025年达到了180亿美元，Visa占据了稳定币卡交易的90%以上份额。
去年8月，Visa通过Paxos将其结算稳定币扩展至PayPal USD（PYUSD）和Global Dollar（USDG），并支持Stellar和Avalanche链。
Visa pointed out that the proportion of stablecoins in global cross-border capital flows is growing. According to DefiLlama data, the total amount of U.S. dollar stablecoins currently in circulation is approximately US$312 billion, of which Tether's USDT accounts for US$184 billion and Circle's USDC accounts for US$76 billion.
