Visa Study: Stablecoin Use Would Jump to 56% With Bank-Level Protections

American willingness to use stablecoins for international transfers would rise to 56% from 36% if the tokens carried bank-level fraud protection and deposit insurance, according to Visa's Money Travels 2026 report released Sept. 23. Visa cautioned the scenario does not imply such protections exist or are planned; stablecoins lack FDIC insurance. Familiarity remains the larger obstacle, with 56% of U.S. respondents unfamiliar with the tokens and many assuming they fluctuate like Bitcoin. Willingness rose to 45% when offered through an existing financial provider, and about 60% said they would trust a traditional bank or global payment network with digital currency services. The pattern held globally: Latin American willingness more than doubled to 74% with protections. Morning Consult polled 45,445 people across 20 markets from Feb. 24 to March 2, including 2,192 U.S. adults. Visa's stablecoin settlement volume reached an annualized rate above $20 billion, up from $3.5 billion in December 2025. BlackRock put stablecoins' market cap above $300 billion.