Stablecoins Pay 39% of Crypto Users Globally

A recent survey by payments infrastructure firm BVNK and conducted by YouGov reveals that 39% of crypto users and prospective users across 15 countries receive part of their income in stablecoins. The survey, which polled 4,658 adults in September and October 2025, also found that 27% of respondents use stablecoins for everyday payments. Lower fees and faster cross-border transfers were the primary reasons cited for this adoption.

The average global stablecoin wallet holding is around $200, though users in high-income economies hold closer to $1,000. Stablecoins represent about 35% of the annual income for those earning in them, and users making cross-border transfers save approximately 40% on fees compared to traditional remittance services. Over half of all respondents reported making purchases specifically because a merchant accepted stablecoin payments, with this figure rising to 60% in emerging markets.

Stablecoin ownership rates were higher in lower- and middle-income economies, where 60% of respondents reported holding them, compared to 45% in high-income countries. Africa had the highest ownership rate at 79% and the strongest year-over-year increase in reported holdings. Respondents tend to hold a mix of dollar- and euro-pegged stablecoins from multiple issuers rather than consolidating around a single token.

BVNK, founded in London in 2021, provides stablecoin-focused payments infrastructure for enterprises. The company recently partnered with San Francisco-based Highnote to introduce stablecoin-based funding for embedded finance card programs. Additionally, global payroll platform Deel announced it will offer stablecoin salary payouts through a partnership with MoonPay, beginning next month with workers in the U.K. and EU before expanding to the U.S.