A new YouGov survey indicates strong demand for deeper integration between traditional banking services and stablecoin infrastructure. According to the study, 77 percent of respondents said they would open a cryptocurrency or stablecoin wallet within their existing banking or fintech application if such an option were available.
The survey, commissioned by Coinbase and stablecoin infrastructure provider BVNK, gathered responses from 4,658 participants between September and October 2025. Results suggest that users increasingly view stablecoins not just as trading instruments but as practical financial tools that should be embedded within mainstream banking platforms.
Spending functionality also ranked highly among respondents. Around 71 percent said they would use a stablecoin linked debit card to make everyday purchases. This reflects growing interest in bridging digital dollar balances with traditional retail payment systems. As regulated stablecoins become more widely accepted, debit card integrations could provide a direct path for converting on chain balances into point of sale transactions without manual transfers.
The data highlights the expanding financial footprint of stablecoins. Respondents reported holding an average of 35 percent of their annual earnings in stablecoin form, underscoring their role as savings and settlement instruments. Among freelancers and independent contractors, 73 percent said stablecoins improved their ability to work with international clients. Cross border payments, reduced fees, and faster settlement cycles were cited as primary advantages.
Stablecoin market capitalization has grown substantially over the past year, surpassing 300 billion dollars as adoption accelerates. While trading activity remains a major use case, the survey results suggest that users increasingly expect stablecoins to function like traditional money within familiar banking interfaces.
Regulatory developments are also influencing institutional confidence. In the United States, the GENIUS Act established clearer standards for reserve backing and transparency for dollar linked stablecoins. Such frameworks may encourage banks to incorporate digital asset tools into their offerings, including integrated wallets, custody services, and compliance monitored transaction rails.
Industry participants argue that formal recognition of stablecoins as cash equivalents could expand their acceptance in payroll, remittances, and treasury management. Banks that offer native wallet functionality may capture a growing segment of digitally oriented customers who prefer to manage stablecoins alongside fiat balances.
The findings reflect a broader convergence between blockchain based assets and traditional finance. Rather than replacing banks, many users appear to favor collaboration that combines regulatory oversight with digital settlement speed. As stablecoins continue to mature within legal frameworks, financial institutions face increasing pressure to provide integrated solutions that align with evolving user expectations.
