Visa finds that by 2031, nearly half of Asia-Pacific consumers are willing to use stablecoins

近半数亚太区消费者愿在2031年前使用稳定币，Visa调查结果出炉

这一发现正值欧洲监管机构就稳定币持有者是否应获得收益回报展开辩论之际。Visa近日公布了调查结果显示，亚太地区近半数消费者可能使用稳定币。该比例达到46%，表明在包括全球最大汇款和支付市场在内的地区，人们对美元挂钩数字代币的熟悉度正在提升。

CoinDesk对该调查的报道将采用窗口期延伸至2031年。其他关于同一调查的报道中并未明确提及这一时间框架，导致部分歧义，即受访者描述的是近期意图还是更长期的展望。无论如何，核心发现都指向消费者对作为支付工具的稳定币存在显著兴趣。

调查结果的发布恰逢稳定币受到监管机构和支付网络日益严格审视的时刻。作为一家全球卡组织，Visa近年来稳步扩展其自身的稳定币结算计划。此类面向消费者的数据有助于该公司评估围绕USDT和USDC等代币构建的产品需求。

Meanwhile, a related but independent discussion is unfolding in Europe. Local regulators and industry participants are debating whether stablecoin issuers should be allowed to provide incentives or interest-like payments to token holders. The European Union's Cryptocurrency Market (MiCA) framework, fearing that the move would blur the line between stablecoins and bank deposits, typically prohibits such issuers from paying proceeds directly on e-currency tokens.

This restriction has become a focus of controversy as competition among stablecoin issuers operating under different regulatory regimes intensifies. Some industry voices believe that banning rewards puts issuers regulated by the EU at a disadvantage, compared with offshore competitors facing fewer constraints. Others believe that keeping stablecoins unrewarded protects their core functions as a payment instrument rather than an investment product.

Background of the Asia-Pacific Survey and the EU Reward Debate

From a substantive perspective, the Asia-Pacific Survey is not directly related to the EU Reward Debate. But both reflect the same underlying trend: stablecoins are increasingly being seen as mainstream financial infrastructure rather than niche cryptocurrency products. Payment companies are testing consumer acceptance in large growth markets, while regulators are simultaneously developing rules to determine how these tokens compete with traditional savings and payment products.

Specifically, consumer interest in stablecoins in the Asia-Pacific region is often closely related to actual use cases. These use cases include cross-border remittances, obtaining dollar-denominated savings in markets where local currencies fluctuate, and faster settlement of daily payments. Visa's survey adds new evidence to the accumulated data, indicating that familiarity with stablecoins is rising broadly beyond the crypto-native user community.

Market Impact

If the survey results are accurate, this suggests that there is a large accessible market for stablecoin-based payment products in the Asia-Pacific region. Payment networks, exchanges and wallet providers may view this as a basis for expanding stablecoin channels in the region, particularly for remittances and merchant settlements.

The EU's reward debate may have a more direct impact on issuers 'competitiveness within Europe. If regulators finally allow some form of holder rewards, EU-based stablecoin issuers may become more attractive than offshore alternatives. Until this issue is resolved, regulatory gaps between jurisdictions are likely to continue to be a factor in the concentration of stablecoin issuance and use.

Taken together, the survey data and the EU policy debate suggest that stablecoins are moving further into the mainstream financial dialogue, both as a consumer good and as a regulated tool waiting for clearer rules.

FAQs

What did Visa's survey find?

According to reports on the results, the survey showed that 46% of consumers in the Asia-Pacific region expressed willingness or potential to use stablecoins.

Does the survey specify a time frame for adoption?

One report cited 2031 as a reference point for the discovery, while other reports on the same investigation did not mention a specific time frame.

What is the EU rewards debate about?

This concerns whether stablecoin issuers regulated by the EU MiCA framework should be allowed to pay rewards or interest to token holders, a practice currently limited for e-currency tokens.

Why is this important for the broader stablecoin market?

Consumer survey data and such regulatory debates shape the competitiveness of different stablecoin issuers and payment providers in different regions, thereby affecting the concentration of use and issuance.