Global Study Reveals Stablecoins Are Becoming ‘Everyday Money’ for Millions

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A new global study suggests that stablecoins have crossed a threshold into mainstream financial utility, with users increasingly employing the dollar-pegged assets for routine purposes like saving and spending rather than just speculation.

Conducted by BVNK in partnership with Coinbase and Artemis, The Stablecoin Utility Report 2026 surveyed 4,658 adults across 15 nations through YouGov. It posits that the more than $300 billion in stablecoin market capitalization is now being channeled into payments, payroll, and savings with growing frequency.

Stablecoins are a class of cryptocurrency designed to hold a steady value, typically through a 1:1 peg to a fiat currency such as the US dollar, backed by reserves. The current circulating supply of these tokens stands at around $300 billion, led by industry giants Tether’s USDT and Circle’s USDC.

The research highlights a sustained and growing user base. Over half of the survey participants had held stablecoins in the previous 12 months. Adoption is projected to increase further, with 56% of current holders planning to acquire more in the coming year and 13% of non-owners intending to make their first purchase. The trend is already visible, as half of all current holders reported growing their stablecoin balances over the past year.