A majority of stablecoin users want their banks to make it easier for them to buy and spend stablecoins for regular transactions, according to a new survey compiled by YouGov.
Some 77% of the 4,658 respondents said they would open a cryptocurrency or stablecoin wallet within their banking or fintech app if one were 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 crypto tokens whose value is pegged to a real-world asset. The most popular, Tether’s USDT and Circle Internet’s (CRCL) USDC, are digital versions of the U.S. dollar, though other currencies are also available. The total market capitalization has grown 50% since the start of 2025, according to data tracked by DeFiLlama, and first topped $300 billion in October.
While stablecoins are widely used in trading cryptocurrencies, the results highlight how far they have penetrated into the traditional financial economy, driven especially by developments in the regulatory environment.
“Users want stablecoins to behave like money they already know,” BVNK summarized.
Stablecoin users hold an average of 35% of their annual earnings in such tokens, according to the survey, while 73% of freelancers and contractors reported an improvement in their ability to work with international clients thanks to stablecoins.
The expansion of formal regulation of stablecoins in major jurisdictions, such as the GENIUS Act in the U.S, could give banks the confidence to start offering crypto tools such as wallets.
“By codifying transparency and cybersecurity standards, the Act classifies these assets as reliable cash equivalents,” Coinbase’s Alec Lovett and John Turner said in the report. “This clarity has bolstered institutional trust while strengthening consumer protections, which we predict will supercharge adoption in the coming months and years.”
Source: https://www.coindesk.com/business/2026/02/19/the-bank-of-the-future-77-of-stablecoin-users-say-they-d-open-a-wallet-with-their-bank-today
