Visa reports $20 billion in annualized stablecoin settlement volume, a 15-fold increase year-over-year, with over 160 stablecoin-linked card programs operating globally. According to research conducted by FIS in November 2025, 74.8% of US respondents would consider using stablecoin services offered by their primary bank, while fewer than 4% expressed willingness to try unregulated alternatives. FDIC-style insurance would increase the likelihood of using stablecoins for 66.3% of consumers. The GENIUS Act, signed into law on July 18, 2025, established the first comprehensive US federal regulatory framework for payment stablecoins, imposing reserve requirements and consumer protections comparable to those of bank deposits. Circle’s USDC appears better positioned than Tether’s USDT to integrate into the traditional banking ecosystem.
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