A new global survey shows stablecoins are rapidly moving beyond speculative assets into everyday financial use, including paychecks and daily spending, according to a research commissioned by London-based payments firm BVNK.
The survey of 4,658 adults across 15 countries conducted by YouGov in late 2025 found that about 39% of crypto users and prospective users now receive at least part of their income in stablecoins, and 27% are using them for everyday transactions. Respondents cited lower fees and faster cross-border transfers as key reasons for embracing stablecoin payments.
Stablecoin holders reported holding digital money with an average value of around $200 globally, with balances in high-income economies closer to about $1,000. Many participants also indicated strong interest in integrating stablecoins with traditional financial tools: 77% said they would open a stablecoin wallet with their primary bank or fintech provider, and 71% expressed interest in using a debit card linked to stablecoins for spending.
Participants who receive income in stablecoins said the assets account for roughly 35% of their annual earnings on average, and users making cross-border transfers reported potential fee savings of about 40% compared with traditional remittances.
Ownership patterns varied by region, with higher adoption in emerging and middle-income economies (around 60%) compared with 45% in high-income economies. Africa recorded the highest rate of stablecoin ownership at 79%, with the strongest growth in holdings over the past year.
The BVNK survey also revealed that more than half of crypto holders have made purchases specifically because merchants accepted stablecoins, and 42% said they want to use stablecoins for major or lifestyle purchases, though only 28% currently do so.
BVNK, founded in 2021 and headquartered in London, specialises in enterprise-focused stablecoin payments infrastructure. The report reflects wider trends as digital dollars gain traction in payroll, remittances, on-chain commerce, and institutional integrations.
