The majority of stablecoin users want banks to make it easier to buy and use stablecoins for regular transactions, according to a new survey compiled by YouGov.
Approximately 77% of 4,658 respondents said they would open a cryptocurrency or stablecoin wallet within a banking or fintech app if available.
The study, commissioned by cryptocurrency exchange Coinbase (COIN) and stablecoin infrastructure provider BVNK, also found that 71% of users use a debit card linked to a stablecoin. The survey was conducted from September to October 2025.
Stablecoins are cryptographic tokens whose value is pegged to real-world assets. The most popular Tether’s USDT and Circle Internet (CRCL)’s USDC are digital versions of the US dollar, but other currencies are also available. The total market capitalization has increased by 50% since the beginning of 2025, topping $300 billion for the first time in October, according to data tracked by DeFiLlama.
While stablecoins are widely used for cryptocurrency transactions, this result highlights the extent to which stablecoins are penetrating the traditional financial economy, particularly due to the evolving regulatory environment.
“Users want stablecoins to behave like the money they already know,” BVNK summarized.
According to the survey, stablecoin users hold an average of 35% of their annual income in such tokens, and 73% of freelancers and contractors report that stablecoins have improved their ability to work with international clients.
More formal regulation of stablecoins in major jurisdictions, such as the US’s GENIUS Act, could give banks the confidence to begin offering crypto tools such as wallets.
“By codifying transparency and cybersecurity standards, the law classifies these assets as reliable cash equivalents,” Coinbase’s Alec Lovett and John Turner said in a report. “This clarity will both strengthen consumer protection and strengthen institutional trust, which we expect to accelerate adoption in the coming months and years.”
