Visa Study: Stablecoin Adoption Intent Jumps to 56% With Bank-Level Protections

The gap between baseline and protected intent suggests stablecoin demand in the U.S. is gated less by product appeal than by perceived safety, which puts the burden on the protections themselves rather than on issuers' feature roadmaps. That reframes the policy debate: if bank-level guarantees are what move consumer intent, the design of those guarantees — and who ultimately stands behind them — matters more to adoption than token mechanics. Whether intent measured against a hypothetical protection converts into real usage once an actual framework exists is the open question.