Stablecoin Adoption Hinges on Regulatory Safeguards, Visa Study Finds

A new study by Visa found that more than half of Americans would use stablecoins if they offered bank-level fraud protection and deposit insurance, rising to 74% in Latin America.

The report noted that no stablecoin currently carries deposit insurance, highlighting a regulatory gap that must be addressed to drive crypto adoption and trust in decentralized finance (DeFi).

The study found that without these safeguards, only 36% of Americans would use stablecoins. However, with bank-level fraud protection and deposit insurance, the number jumped to 56%. The same scenario lifted intent to 74% in Latin America.