Visa Study Finds Safeguards Could Lift Stablecoin Interest

What happened

Visa released Money Travels 2026, a consumer study conducted by Morning Consult that examined remittances, digital payments and stablecoin awareness.

Among the U.S. respondents, stated willingness to use stablecoins increased from 36% to 56% when the survey introduced a hypothetical scenario with bank-level fraud protection and deposit insurance. Willingness increased to 45% when the service was offered through an existing financial provider.

The study also found that 56% of U.S. respondents had never heard of stablecoins. Traditional commercial banks and global payment networks received the highest trust levels among the provider categories reported.

Blue Rogues read

The survey frames stablecoin adoption as a trust problem as much as a technology problem. Faster settlement and lower costs may attract attention, but consumers appear to assign significant value to fraud recourse, recognizable providers and familiar protections.

That does not mean adding those labels would automatically produce adoption. Hypothetical answers describe preferences under stated conditions; they do not measure what consumers will do with real money, fees, disclosures and risk.

What this confirms

In Visa's commissioned survey, the hypothetical addition of bank-level fraud protection and deposit insurance materially increased stated willingness to use stablecoins. Provider identity also affected responses.

The U.S. sample included 2,192 adults, and the survey was conducted from February 24 to March 2, 2026.

What it does not confirm

Stablecoins are not currently covered by FDIC deposit insurance. The results do not establish actual adoption, transaction volume or willingness to bear real-world costs and risks. The findings are self-reported and respondents received definitions before answering.

Sources and disclosures

Primary source: Visa investor-relations release dated September 23, 2026. Morning Consult conducted the research on Visa's behalf. Blue Rogues treats the figures as commissioned survey results, not independent behavioral evidence.

Update note

Observed September 24, 2026 during the 23:11–23:45 BRT editorial window. Verify the methodology note and any corrected figures before publication.