Visa Survey: US Stablecoin Use Rises to 56% With Bank-Level Protections

The gap between baseline and conditional willingness is the real signal: demand for stablecoins in cross-border transfers appears contingent on replicating the safety net of insured bank deposits, not on the technology itself. That places the adoption question squarely with issuers and regulators, since fraud protection and deposit-style insurance are precisely the features most stablecoin designs currently lack. Whether such protections can be extended without blurring the line between a token and a bank deposit is the open question.