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A YouGov survey conducted in partnership with Coinbase and BVNK revealed that 71% of users are inclined to utilize a stablecoin-linked debit card for their spending needs.
A significant majority of stablecoin users desire increased engagement from their banks to facilitate the purchase and utilization of stablecoins, according to a recent YouGov survey. (Steve Buissinne/Pixabay, modified by CoinDesk)
Key points:
- Approximately 77% of the 4,658 individuals surveyed indicated they would consider opening a cryptocurrency or stablecoin wallet within their banking or fintech application if such an option were available.
- The research commissioned by crypto exchange Coinbase and stablecoin infrastructure provider BVNK also discovered that 71% of users would utilize a debit card associated with stablecoins to make purchases.
- On average, stablecoin users maintain 35% of their annual income in these tokens, and 73% of freelancers and contractors noted a positive change in their ability to engage with international clients due to stablecoins.
A majority of stablecoin users express a desire for their banks to simplify the process of acquiring and using stablecoins for everyday transactions, as revealed by a new YouGov survey.
Roughly 77% of the 4,658 participants stated they would be interested in establishing a cryptocurrency or stablecoin wallet within their banking or fintech app if such a feature existed.
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The survey, initiated by crypto exchange Coinbase (COIN) and stablecoin infrastructure provider BVNK, also indicated that 71% of users would opt for a debit card linked to stablecoins. The survey was carried out from September to October 2025.
Stablecoins are cryptocurrency tokens whose valuations are tied to real-world assets. The most widely used, Tether’s USDT and Circle Internet’s (CRCL) USDC, are digital representations of the U.S. dollar, although other currencies are also available. The overall market capitalization has increased by 50% since the beginning of 2025, according to data monitored by DeFiLlama, and first exceeded $300 billion in October.
While stablecoins are extensively utilized in cryptocurrency trading, the findings underscore their growing influence within the traditional financial landscape, particularly fueled by advancements in regulatory frameworks.
"Users expect stablecoins to function like familiar forms of currency," BVNK summarized.
According to the survey, stablecoin users typically hold 35% of their annual income in these tokens, while 73% of freelancers and contractors reported enhanced capabilities to collaborate with international clients due to stablecoins.
The development of formal regulations for stablecoins in prominent jurisdictions, such as the GENIUS Act in the U.S., may provide banks with the assurance to begin offering cryptocurrency services like wallets.
"By establishing standards for transparency and cybersecurity, the Act categorizes these assets as dependable cash equivalents," stated Coinbase’s Alec Lovett and John Turner in the report. "This clarity has strengthened institutional confidence while enhancing consumer protections, which we anticipate will accelerate adoption in the forthcoming months and years."
