Stablecoin Adoption Reveals Three Distinct User Groups
New data from Changelly, an instant crypto exchange, reveals that stablecoin adoption is not as straightforward as previously thought. According to their transaction history for the first half of 2026, there are three distinct usage habits among users.
Nearly half of all users made no stablecoin transactions at all during the period. On the other hand, up to 45% used stablecoins in almost every trade. The remaining ~15% moved freely between stablecoins and other crypto assets, with this group actually transacting as much as 6.2x more than users who never touch stablecoins.
Even though stablecoins were involved in under 20% of all Changelly transactions, they drove nearly 50% of total trading volume, a gap explained almost entirely by the size of trades rather than their frequency.