2026年稳定币效用报告_全球消费者如何利用稳定币释放资金价值_57页_5mb

Stablecoin Utility Report 2026 Summary

Core Content

This report explores how global consumers use stablecoins to unlock financial opportunities, highlighting their growing adoption, utility, and the factors influencing their use.

Main Points

• Stablecoins are digital currencies pegged to reserve assets like fiat currencies, designed for stable value and used for payments and transfers, not investment.
• The stablecoin market has grown to over $300 billion.
• Ownership of stablecoins is rising, with 54% of respondents having held stablecoins in the last 12 months and 56% intending to acquire more in the next 12 months.
• Africa leads in stablecoin ownership at 79%, and has the strongest forward intent at 76%.
• Young and entrepreneurial demographics are more likely to own stablecoins, with 51% of African respondents being equally split between men and women.
• Managing stablecoins is primarily done through centralized exchanges, but there is a strong potential for banks and fintechs to enter the market if they offer stablecoin wallets.
• Spending stablecoins is common, with 45% converting to local currency and 27% spending directly on goods and services. 71% would use a stablecoin-linked debit card, especially in low and middle-income economies.
• Merchant acceptance is a key factor in stablecoin utility, as 52% of stablecoin holders have made purchases specifically because the business accepted stablecoins.
• Payment experience is driven by lower fees (30%), security (28%), and global access (27%). However, complexity and irreversible transactions are seen as major barriers.
• Stablecoins are becoming a core part of modern wealth allocation, with users allocating about one-third of their savings to them.
• Regulatory clarity, such as the GENIUS Act in the US, is enabling mainstream adoption and enhancing consumer protections.
• Stablecoins are being used for cross-border payments, passive income, and global payroll, especially in regions with unstable fiat currencies.
• New use cases are emerging, including collateral for trading, liquidity for RWA tokenization, and facilitating AI-driven commerce.

Key Findings

• Ownership:

  • 54% held stablecoins in the last 12 months.
  • 56% intend to acquire more in the next 12 months.
  • 13% of non-owners intend to start.
  • Ownership skews young and entrepreneurial, with 60% of men owning stablecoins, except in Africa where it's 51% men and 49% women.

• Managing Stablecoins:

  • Centralized exchanges are the primary platform for managing stablecoins.
  • 46% prefer to use exchange platforms.
  • 77% would open a stablecoin wallet if offered by their bank or fintech app.

• Spending Stablecoins:

  • 45% convert to local currency, 27% spend directly.
  • 71% would use a linked debit card.
  • Africa and South Asia show the highest likelihood to use stablecoin cards.
  • Major purchases are the most desired spending category, with 42% wanting to spend in this area versus 28% currently doing so.

• Getting Paid in Stablecoins:

  • Around 35% of earnings for freelancers and sellers are received in stablecoins.
  • 73% of freelancers and gig workers report improved ability to work with international clients.
  • 76% of marketplace hosts and sellers report improved sales volume or customer base.

• Payment Experience:

  • Lower fees, security, and global access are the main reasons for using stablecoins.
  • Fee savings are significant, with traditional cross-border payments costing up to 8% in some regions.
  • Infrastructure is no longer the main barrier; acceptance and integration are the key challenges.

Conclusion

Stablecoins are rapidly becoming a mainstream financial tool, with increasing adoption, utility, and mainstream acceptance. They offer speed, access, and control over money, especially in low and middle-income economies. The future of stablecoins includes real-world utility, merchant acceptance, and integration into traditional financial systems. With regulatory clarity and technological advancements, the gap between desire and actual spending is expected to close, making stablecoins a cornerstone of the modern financial system.