- A YouGov survey finds 39% of crypto users receive income in stablecoins, while 27% use them for daily payments.
- 77% of respondents would open a stablecoin wallet with their primary bank, and 71% are interested in a linked debit card to spend them.
- Stablecoin ownership is higher in middle- and lower-income economies (60%) than in high-income ones (45%), with Africa leading at 79%.
- Enterprise adoption is accelerating, with platforms like Deel and Paystand integrating stablecoins into regulated payroll and B2B payments.
- The total stablecoin market cap has grown to $307.8 billion, according to DefiLlama, following supportive regulatory developments.
A global survey commissioned by BVNK has revealed that stablecoins are becoming a significant tool for earning and spending, especially in emerging markets. The study, conducted online in September and October 2025, found that 39% of crypto users and prospective users across 15 countries receive income in these digital assets.
Consequently, 27% of respondents now use stablecoins for everyday payments, citing lower fees and faster cross-border transfers as key drivers. Those using them for cross-border transactions reported fee savings of about 40% compared to traditional remittance methods. Furthermore, stablecoins account for roughly 35% of annual earnings on average for those who receive income in them.
The data indicates a strong demand for integration with traditional finance, as 77% would open a stablecoin wallet with their primary bank. Meanwhile, 71% expressed interest in using a linked debit card to spend their stablecoin holdings directly. Ownership was notably higher in middle- and lower-income economies, where 60% hold stablecoins compared to 45% in high-income economies.
Africa recorded the highest ownership rate at 79% and the strongest reported increase in holdings over the past year. A BVNK spokesperson told Cointelegraph that users tend to hold a range of dollar- and euro-pegged stablecoins rather than relying on a single issuer. When asked for management preferences, 46% selected exchange platforms, followed by payment apps with crypto features at 40%.
This consumer trend aligns with accelerating enterprise activity in the sector. On Feb. 11, global payroll platform Deel said it will begin offering stablecoin salary payouts through a partnership with MoonPay. Paystand recently acquired Bitwage, a platform focused on cross-border stablecoin payouts, according to the company, expanding its digital asset settlement network.
This institutional push follows regulatory clarity from laws like the GENIUS Act in the US. Because stablecoins offer price stability pegged to fiat currencies, they are increasingly seen as suitable for payroll and payments. The stablecoin market currently stands at $307.8 billion, reflecting this growing adoption across both consumer and enterprise landscapes.
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