Crypto: Stablecoins Gain Ground For Paychecks And Daily Spending: Bvnk Report

A global survey of 4,658 crypto users found 39% receive income in stablecoins and 27% use them for payments, with stronger adoption in emerging markets.

A global survey commissioned by BVNK and conducted by YouGov found that 39% of crypto users and prospective users across 15 countries receive income in stablecoins, while 27% use them for everyday payments, citing lower fees and faster cross-border transfers as key drivers.

The survey of 4,658 respondents, conducted online in September and October 2025 among adults who currently hold or plan to acquire cryptocurrency, found that stablecoin users hold an average of about $200 in their wallets globally, though holdings in high-income economies average around $1,000.

It also found that 77% of respondents would open a stablecoin wallet with their primary bank or fintech provider if offered, and 71% expressed interest in using a linked debit card to spend stablecoins.

Those who receive income in stablecoins said the assets account for about 35% of their annual earnings on average, and those using them for cross-border transfers reported fee savings of about 40% compared with traditional remittance methods.

More than half of the crypto holders have made a purchase specifically because a merchant accepted stablecoins, increasing to 60% in emerging markets, while 42% said they want to use stablecoins for major or lifestyle purchases compared with 28% who currently do so.

Ownership was higher in middle- and lower-income economies, where 60% of respondents said they hold stablecoins, compared with 45% in high-income economies. Africa recorded the highest ownership rate at 79% and the strongest reported increase in holdings over the past year.

A BVNK spokesperson told Cointelegraph that the study was designed to examine usage patterns among existing and prospective crypto users rather than measure broader population-level adoption.

They also said respondents tend to hold a range of dollar- and euro-pegged stablecoins rather than relying on a single issuer, suggesting users often maintain balances across multiple tokens.

When asked where they prefer to manage stablecoins, 46% of respondents selected exchange platforms, followed by payment apps with crypto features like PayPal or Venmo at 40%, and mobile crypto wallet apps at 39%. Only 13% said they would prefer to hold stablecoins in a hardware wallet.

Source: CoinTelegraph