A Visa-commissioned survey conducted by Morning Consult among 2,192 US adults from February 24 to March 2, 2026 reveals that 56% of respondents had never heard of stablecoins before the study. Only 36% of Americans say they are ready to use stablecoins, but this figure jumps to 56% if a bank-style safety net protects deposits against fraud, representing a twenty-point increase. The GENIUS Act, signed on July 18, 2025, requires stablecoin issuers to maintain 1-to-1 reserves but prohibits promising FDIC coverage to holders, even as surveyed Americans demand this guarantee. Visa now settles 20 billion dollars annually in stablecoins, and the total market capitalization of dollar-pegged stablecoins exceeds 295 billion dollars, with Tether’s USDT accounting for 183.4 billion and Circle’s USDC for 76 billion.
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