U.S. willingness to use stablecoins rises from 36% to 56% when hypothetical bank-level fraud protection and deposit insurance are added, Visa’s Money Travels 2026 study found. Interest reaches 45% when stablecoins are offered through an existing financial provider. The findings indicate that consumer trust and protection may weigh more heavily on mainstream adoption than transaction speed, cost or ease of movement. In the United States, 45% of respondents said they would accept a 24-hour transfer delay in exchange for stronger fraud protection. Visa also found that 36% of Americans surveyed had encountered cross-border payment scams, while 44% were concerned about AI-enabled fraud, including deepfakes. The protection features in the survey were hypothetical: stablecoins do not automatically receive FDIC insurance merely because they track the dollar. Morning Consult conducted the U.S. survey among 2,192 adults, while Visa surveyed more than 45,000 respondents across 20 markets globally.