A survey conducted by Visa and Morning Consult among 2,192 US consumers reveals that stablecoin adoption intention could rise from 36% to 56% in a hypothetical scenario offering bank-level fraud protection and deposit insurance. The study also shows that willingness to use stablecoins climbs from 36% to 45% when offered through an existing financial provider. As companies prepare for the GENIUS Act, expected to take effect in January 2027, stablecoins still lack FDIC protection or explicit fraud protection. US dollar-pegged tokens like USDC and USDT dominate the market with a combined market capitalization of approximately $260 billion.
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