-
Over half of surveyed crypto users held stablecoins in the past year
-
Holders allocate about one-third of savings to crypto and stablecoins
-
Around 35% of freelancers’ income is now paid in stablecoins
-
Users report saving 40% in fees compared to traditional remittance services
From Trading Tool to Financial Backbone
Stablecoins are increasingly being used as everyday financial tools rather than just instruments for crypto trading. A new global study conducted by BVNK in partnership with Coinbase and Artemis found that adoption is expanding across savings, payroll, and cross-border payments.
The report surveyed 4,658 adults across 15 countries and highlighted that more than $300 billion in stablecoin supply is now actively circulating. Major issuers like Tether and Circle continue to dominate the market, but the use case is shifting from speculation to routine financial activity.
More than half of respondents said they held stablecoins in the past 12 months, and 56% plan to increase their holdings in the year ahead.
Savings, Spending and Global Work
Stablecoins are becoming part of personal balance sheets. On average, holders allocate roughly one-third of their savings to crypto and stablecoins combined, with adoption strongest in low- and middle-income economies.
Usage extends beyond holding. About 27% of users spend stablecoins directly, while 45% convert them into local currency. Freelancers and marketplace sellers report that 35% of their annual income is paid in stablecoins, with nearly three-quarters saying it improved their ability to work internationally.
Despite growth, users still cite friction points, including wallet complexity and irreversible transactions. As regulatory clarity expands, stablecoins appear to be evolving into a form of digital cash for a growing segment of the global economy.
