U.S. consumer interest in using stablecoins for cross-border transfers could rise to 56% from 36% if the digital assets offered bank-level fraud protection and deposit insurance, according to a recently released VISA survey.

The findings are based on a Morning Consult survey of 2,192 U.S. adults conducted between February 24 and March 2 2026. VISA said 64% of respondents viewed the payment provider as more important to trust than the underlying technology while willingness to use stablecoins rose to 45% when they were offered through an existing financial provider.

Yet awareness remains a hurdle. VISA said 56% of respondents had never heard of stablecoins while some consumers who were familiar with them incorrectly believed they fluctuated like Bitcoin.

Traditional commercial banks and global payment networks were the most trusted providers of digital currency services with 61% and 60% of respondents respectively expressing trust in them, the survey found.

VISA’s findings come as stablecoin use expands across payments. The company said stablecoin settlement has surpassed a $20 billion annualized run rate, more than 15 times its level a year earlier, while more than 160 stablecoin-linked card programs are now live globally.

For mainstream consumers, stablecoin adoption may depend as much on familiar institutions, consumer protections, and fraud safeguards as on the technology itself.

MILESTONE | Stablecoin Settlement Volume Up 15x, Payment Volume Up ~200% YoY, Reveals VISA

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