Stablecoin adoption intent surges when consumers get bank-level protections, research shows

The stablecoin market has a trust problem, and the solution turns out to be remarkably old-fashioned. Research into consumer attitudes toward stablecoins consistently reveals the same pattern: offer people the speed and convenience of blockchain-based dollars, wrap them in the kind of protections they expect from a checking account, and adoption intent climbs dramatically. The finding lands at a moment when the infrastructure to deliver on that promise is scaling faster than almost anyone predicted. Visa now reports $20 billion in annualized stablecoin settlement volume, a 15-fold increase year-over-year, with over 160 stablecoin-linked card programs operating globally. The protection premium Consumer research conducted by FIS in November 2025 put hard numbers on something the industry had long suspected. Roughly 74.8% of US respondents said they would consider using stablecoin services offered by their primary bank. Fewer than 4% expressed willingness to try unregulated alternatives. The same FIS research found that 66.3% of consumers said FDIC-style insurance would increase their likelihood of using stablecoins. Visa’s stablecoin bet is paying off Payment volumes across Visa’s st...