A majority of stablecoin users want their banks to make it easier for them to buy and use stablecoins for regular transactions, according to a new survey compiled by YouGov.
About 77% of the 4,658 respondents said they would open a cryptocurrency or stablecoin wallet in their banking or fintech app if one were available.
The survey, commissioned by crypto exchange Coinbase (COIN) and stablecoin infrastructure provider BVNK, also found that 71% of users would use a stablecoin-linked payment card. The survey was conducted from September to October 2025.
Stablecoins are crypto-tokens whose value is tied to a real-world asset. The most popular, Tether’s USDT and Circle Internet’s (CRCL) USDC, are digital versions of the US dollar, although other currencies are also available. The total market capitalization has grown 50% since the start of 2025, according to data tracked by DeFiLlama, and only topped $300 billion in October.
While stablecoins are widely used in cryptocurrency trading, the results highlight how far they have penetrated the traditional financial economy, particularly driven by developments in the regulatory environment.
“Users want stablecoins to behave like money they already know,” BVNK summarized.
Stablecoin users average 35% of their annual earnings in such tokens, according to the survey, while 73% of freelancers and contractors reported an improvement in their ability to work with international clients thanks to stablecoins.
The expansion of formal regulation of stablecoins in major jurisdictions, such as the GENIUS Act in the United States, may give banks the confidence to start offering crypto tools such as wallets.
“By codifying transparency and cybersecurity standards, the law classifies these assets as trusted cash equivalents,” Coinbase’s Alec Lovett and John Turner said in the report. “This clarity has strengthened institutional confidence while strengthening consumer protections, which we predict will increase adoption in the coming months and years.”
