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FollowingVisa调查：若具备更强欺诈防护，56%的美国用户将采用稳定币
Visa近日发布了最新的调查结果，指出如果在跨境支付中为稳定币提供与传统银行同等水平的欺诈保护和保险，将显著提升美国消费者对稳定币的接受度。
关于用户信任与采用的调查发现
在2月至3月期间开展的一项研究中，Visa与研究公司Morning Consult合作，对2,192名美国民众进行了调查。结果显示，目前公众采用稳定币的总体意愿为36%。然而，Visa报告称，如果建立类似银行的欺诈防范机制和存款保险制度，预计采用率可攀升至56%。
受访者被问及与稳定币及跨境交易相关的金融概念。许多受访者表示，他们渴望更快速、更具成本效益的国际汇款方式，这表明该领域存在未被满足的创新需求。
调查显示，对支付方式的信任是采用的关键因素。Visa指出，64%的受访者认为，比起底层技术，他们更看重提供支付服务的实体。当稳定币通过熟悉的金融服务提供商提供时，使用意愿会从36%上升至45%。
参与者表明，对稳定币的信任与其支付提供商的声誉密切相关。如果现有的金融机构能够提供类似银行的保护措施，采用兴趣将显著上升。
监管动态
The results of the survey come as the United States prepares to implement the National Innovation Act with U.S. stablecoins (GENIUS Act). The bill has yet to be implemented with final regulatory rules and is expected to take effect in January 2027.
Currently, stablecoins do not provide the same protection as traditional bank accounts, such as fraud protection or Federal Deposit Insurance Corporation (FDIC) deposit insurance. The GENIUS bill is not expected to mandate FDIC-like insurance for stablecoins, but is intended to provide clearer guidelines to combat illegal activity and improve market standards.
Dictionary: GENIUS Act
This is a proposed U.S. law that aims to establish a regulatory framework for stablecoins, covering issuer operating guidelines and anti-illegal activity measures.
The EU's movements on stablecoin reserves
At the same time, the European System of Central Banks is pushing to revise the rules of banks in the EU on stablecoin reserves. On Tuesday, the group called for changes to existing rules that stablecoin issuers must keep at least 30% of their reserves in bank deposits (60% for tokens deemed "important"). The group proposed introducing specific liquidity thresholds and warned that strict deposit requirements could put banks at risk because banks would be under tremendous pressure if a large number of users withdraw funds at the same time.
These proposed amendments are part of the European Union's Cryptocurrency Markets Regulation (MiCA), which began implementing stablecoin-related policies in June 2024. MiCA is the first major regulatory framework in the EU to establish clear rules for digital assets and stablecoins.
According to payment infrastructure company Decta, the total market value of euro-pegged stablecoins that comply with MiCA regulations has doubled before the end of the transition period from 2025 to 2026. The global stablecoin market is still dominated by dollar-denominated tokens such as USDC and USDT, which have a combined market value of approximately US$260 billion.
* Survey did not provide exact numbers
Visa emphasized that clear guidelines and consumer protection are crucial to building trust and promoting the widespread adoption of digital payment technologies such as stablecoins.
