77% of Stablecoin Users Would Open a Bank-Provided Wallet; 71% Would Use Stablecoin Debit Cards
A YouGov survey of 4,658 respondents commissioned by Coinbase and BVNK found strong demand for bank-supported stablecoin services. Key findings: 77% of respondents said they would open a cryptocurrency or stablecoin wallet inside their banking or fintech app; 71% said they would use a stablecoin-linked debit card to spend tokens. Stablecoin users hold on average 35% of their annual earnings in such tokens, and 73% of freelancers/contractors reported improved ability to work with international clients due to stablecoins. The survey (conducted Sept–Oct 2025) highlights growing mainstream utility as the stablecoin market cap rose over 50% in 2025 and first topped $300 billion in October (DeFiLlama data). Report authors note that clearer regulation—citing the U.S. GENIUS Act—could increase bank confidence to offer wallets by codifying transparency and cybersecurity standards. Primary keywords: stablecoin, bank wallet, stablecoin debit card. Secondary/semantic keywords: Coinbase, BVNK, YouGov survey, stablecoin adoption, regulation, GENIUS Act.
Bullish
The survey signals stronger retail demand for on-ramps and real-world use of stablecoins, which is positive for market liquidity and adoption. High intent to open bank-provided wallets (77%) and to use stablecoin-linked debit cards (71%) suggests increased fiat-stablecoin conversion flows and more on-chain activity for payments, not just trading. Average holdings equal to 35% of annual earnings and reported benefits for freelancers indicate stablecoins are being used as working capital and payment rails. Regulatory clarity (e.g., GENIUS Act) mentioned in the report would further reduce institutional risk aversion, encouraging banks and fintechs to integrate stablecoin services — a development that typically supports higher market participation and liquidity. Short-term impact: modestly bullish for stablecoin demand and related on-chain volumes; could boost liquidity for spot and stablecoin-paired markets and slightly lower spreads. Reaction may be muted in risk-on crypto assets (e.g., BTC, ETH) unless integration announcements by major banks follow. Long-term impact: bullish for structural adoption—easier customer access via banks can broaden user base, increase transactional use cases, and entrench stablecoins in payment rails, which supports sustained demand and market stability. Historical parallels: past regulatory clarity and large-platform integrations (e.g., PayPal/Stablecoin listings, major exchange custody launches) produced similar gradual uplift in stablecoin supply, volume, and utility, benefiting related markets. Risks: regulatory setbacks or bank implementation delays could temper adoption, leaving near-term effects neutral. Overall, the balance of increased user intent plus regulatory tailwinds points to a bullish outlook for stablecoins and related liquidity.