Stablecoin Supply Nears $300B as Users Use Tokens for Savings and Payments, Study Finds

Key Takeaways

• BVNK says stablecoins are shifting into “everyday money,” citing a caller YouGov survey.

• Total stablecoin marketplace headdress is astir $307.9 billion, led by USDT, according to DefiLlama.

• Artemis reports Deel utilized BVNK to wage implicit 10,000 freelancers successful 100 countries successful stablecoins.

Stablecoins are progressively being utilized for savings and payments arsenic full proviso sits adjacent $300 billion, according to a caller survey led by payments steadfast BVNK with partners Coinbase and Artemis.

BVNK’s Stablecoin Utility Report 2026 is based connected a YouGov survey of 4,658 adults crossed 15 countries.

The study argues that stablecoins are shifting from a crypto trading instrumentality into a much applicable fiscal instrument.

Stablecoins are designed to clasp a unchangeable value, typically by tracking the U.S. dollar.

They are wide utilized arsenic the colony plus for crypto trading and DeFi.

DefiLlama estimates the full stablecoin marketplace headdress astatine astir $307.9 billion, with USDT arsenic the largest stablecoin by supply.

BVNK argues portion of that proviso is present being utilized for payments alternatively than sitting chiefly connected exchanges.

BVNK says stablecoin usage is rising arsenic a regular fiscal tool.

The study says 56% of respondents program to get much stablecoins implicit the adjacent twelvemonth and 13% of non-owners program to start.

It besides says galore existent holders accrued their balances successful the past year.

The survey besides suggests stablecoins are taking a larger stock of idiosyncratic finances.

Respondents who clasp stablecoins said they allocate astir one-third of full savings to crypto and stablecoins combined, with higher allocations reported successful lower- and middle-income markets.

The report’s strongest “everyday money” assertion is connected income.

Artemis’ stablecoin payments study cites Deel utilizing BVNK to wage much than 10,000 freelancers successful implicit a 100 countries successful stablecoins, an illustration of stablecoins being utilized for colony alternatively than trading.

BVNK besides says freelancers, gig workers, and marketplace sellers who person stablecoin payments study that stablecoins relationship for a meaningful stock of yearly net connected average, and galore accidental it improves their quality to enactment with planetary clients.

That usage lawsuit is straightforward: stablecoins tin beryllium received quickly, held successful dollars, and converted locally erstwhile needed.

For galore users, the main contention is not Bitcoin oregon Ethereum.

It is the outgo and friction of bequest remittance and cross-border outgo services.

BVNK says stablecoins are being spent oregon converted to section currency, not conscionable held.