> **来源：[研报客](https://pc.yanbaoke.cn)** # 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**.