According to a new survey compiled by YouGov, the majority of stablecoin users want their banks to make it easier for them to buy and spend stablecoins for regular transactions.
Some 77% of 4,658 respondents said they would open a cryptocurrency or stablecoin wallet in their banking or fintech app if one was 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 debit card. The survey was conducted from September to October 2025.
Stablecoins are cryptographic tokens whose value is tied to a real-world asset. The most popular, Tether’s USDT and Circle Internet’s USDC (CRCL), are digital versions of the US dollar, although other currencies are also available. Total market capitalization has increased 50% since the start of 2025, according to data tracked by DeFiLlama, and surpassed $300 billion for the first time in October.
Although stablecoins are widely used in cryptocurrency trading, the findings highlight the extent to which they have penetrated the traditional financial economy, particularly due to the changing regulatory environment.
“Users want stablecoins to behave like money they already know,” BVNK summarized.
According to the survey, stablecoin users hold an average of 35% of their annual income in these tokens, while 73% of freelancers and entrepreneurs reported an improvement in their ability to work with international clients thanks to stablecoins.
Expanding formal regulation of stablecoins in major jurisdictions, such as the GENIUS Act in the United States, could 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,” Alec Lovett and John Turner of Coinbase said in the report. “This clarity has built institutional trust while strengthening consumer protections, which we believe will drive adoption in the months and years to come.”
