Stablecoins becoming everyday money is no longer just a crypto industry talking point. A new global study from BVNK reveals that stablecoins are increasingly used for salaries, purchases, and cross-border payments across multiple regions.
The Stablecoin Utility Report, conducted by YouGov on behalf of BVNK in partnership with Coinbase and Artemis, surveyed more than 4,600 crypto holders and early adopters across 15 countries. The findings show that stablecoins are transitioning from niche crypto assets to practical tools for everyday financial activity.
Stablecoins are cryptocurrencies pegged 1:1 to the US dollar, offering price stability designed for fast, secure, and affordable transactions. The survey included individuals who currently hold cryptocurrency, held it in the past 12 months, or plan to hold it within the next year.
People Are Getting Paid in Stablecoins
One of the most significant findings supporting stablecoins becoming everyday money is that 39% of respondents said they receive payments in stablecoins. These payments come from employers, clients, family, or friends.
Among those paid in stablecoins, they represent approximately 35% of annual earnings. Additionally:
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75% said receiving stablecoins increased their ability to do business internationally.
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76% of marketplace sellers reported improved sales volume.
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Respondents saw average fee savings of 40% compared to traditional remittance methods.
These results suggest stablecoins are solving real-world problems, particularly where cross-border transfers are expensive or unreliable.
Stablecoins Are Used for Everyday Purchases
The report shows that 27% of stablecoin holders actively use them for everyday payments. On average, users hold around $200 in stablecoins for regular spending rather than long-term savings.
More than half (52%) of crypto holders said they made a purchase specifically because a merchant accepted stablecoins. In emerging markets, that figure rises to 60%.
The main reasons for choosing stablecoins are practical:
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Lower fees (30%)
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Security (28%)
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Global access (27%)
However, demand still exceeds availability. While 42% want to use stablecoins for major or lifestyle purchases, only 28% currently do, indicating growing interest in broader merchant acceptance.
Consumers Want Easier Stablecoin Integration
Another key theme reinforcing stablecoins becoming everyday money is user demand for better integration with traditional financial services.
According to the survey:
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77% would open a stablecoin wallet if offered by their bank or fintech app.
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71% are interested in using a linked debit card to spend stablecoins.
This demonstrates that users want stablecoins embedded into existing banking infrastructure rather than treated as standalone crypto products.
Regional Adoption Driving Global Growth
Emerging markets in South America, Asia, and Africa have driven much of the early adoption. In these regions, where money transfers can be slow, costly, or restricted, stablecoins provide financial stability and inclusion.
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60% of crypto-native respondents in emerging markets held stablecoins.
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In Africa, that figure reached 79%.
Meanwhile, adoption is rising in developed economies such as the US, UK, and Europe. In high-income countries, 45% of cryptocurrency users reported holding stablecoins, with average holdings of around $1,000 compared to $85 in emerging markets.
As regulatory frameworks evolve across major economies, stablecoins are increasingly viewed as a practical upgrade to legacy payment systems rather than a niche crypto tool.
A Tipping Point for Everyday Money
The findings suggest that stablecoins becoming everyday money reflects a broader behavioral shift. What began as a solution for unstable currencies and expensive remittances is now expanding into mainstream payment use cases globally.
With stablecoin supply increasing significantly over the past five years and regulatory clarity improving, adoption appears to be reaching a tipping point. As infrastructure improves and integration expands, stablecoins may continue redefining how individuals and businesses move money worldwide.
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