Stablecoin adoption could jump in US with bank fraud protection, Visa survey finds

Survey results published by Visa suggest that stablecoin adoption among US users could rise significantly if the assets carried bank-level fraud protection and deposit insurance.

The survey, conducted by Morning Consult earlier this year, found that adoption intention could increase from 36% to 56% in such a scenario. The data also indicated that 64% of the 2,192 US respondents said trust depends more on who offers a payment method than on the underlying technology.

The findings are published as companies prepare for the Guiding and Establishing National Innovation for US Stablecoins (GENIUS) Act, which is expected to take effect in January 2027. The bill is awaiting final rules from key financial agencies.

Under the upcoming framework, US stablecoins are not expected to receive FDIC insurance or explicit fraud protection, but they will include guidelines aimed at curbing illicit activities. Traditional bank products, unlike most stablecoins, typically carry such protections.