A global study reveals that 35% of crypto users receive salaries in stablecoins, driving a transformation in cross-border payments and everyday finance.
Stablecoins are no longer just a safe haven for investors seeking protection from the volatility of the crypto market; they have become a fundamental pillar of the real economy. A recent study conducted by YouGov for the payments infrastructure firm BVNK reveals that 35% of users or potential users of digital assets already receive a portion of their income through these fiat-backed instruments.
According to experts, the growing adoption of stablecoins is related to a search for efficiency in a traditional financial system that is often slow and expensive for international transfers.
Around 4.658 adults distributed across 15 countries participated in the YouGov study during late 2025, showing that the use of assets like USDT or USDC is gaining ground in the payrolls of freelancers and corporate employees, who see blockchain technology as a potential solution. a viable alternative for managing your assets daily without the complications of fiat money or the extreme fluctuations of other crypto assets.
Trade regulated stablecoins from hereStablecoins: The engine of efficiency in emerging and global markets
The adoption of stablecoins as financial tools shows a clear segmentation according to the economic context of each region. According to the report As cited, ownership of stablecoins is notably higher in low and middle-income economies, reaching 60% of respondents, while in high-income countries this figure stands at 45%.
Africa stands out as the undisputed leader in this trend with a 79% ownership rate, reflecting how these technologies solve problems of banking access and remittance costs in areas with less developed financial infrastructure.
Survey participants indicated that the commission savings This is one of the most powerful incentives for conducting cross-border transactions using stablecoins. Those who use stablecoins to send money abroad reported a reduction in expenses of nearly 40% compared to conventional remittance services. This economic advantage translates into a direct impact on the purchasing power of families and the operational efficiency of small businesses. Furthermore, the settlement speed It allows funds to be available almost instantly, eliminating the waiting times of several business days that usually characterize international bank transfers.
Send global crypto payments on Bit2MeRegarding consumer behavior, 27% of those surveyed already use these assets for their everyday expensesIntegration into commerce is so significant that more than half of users admitted to making a specific purchase simply because the establishment accepted stablecoin payments. This focus on practical utility extends to high-value purchases and lifestyle items, with 42% of respondents expressing a desire to use these assets in the near future, up from 28% who already do so.
The maturity of digital money: regulation, payroll, and new user preferences
The growth of the stablecoin sector globally is supported by significant advances in technical infrastructure and legal clarity. The implementation of regulations such as Markets in Crypto Assets Regulation in Europe, known as MiCAAnd the GENIUS Act in the United States has provided a more secure legal environment for companies wishing to incorporate digital assets into their accounting structures. According to DefiLlama data, the total stablecoin market reached $307.800 billion at the beginning of 2026, demonstrating a steady flow of capital into these instruments.
The payroll industry is responding quickly to this demand, establishing strategic alliances to enable workers in the UK, the European Union, and the US to receive their salaries directly into non-custodial wallets. These types of agreements make it easier for companies to maintain regulatory and tax compliance while offering their employees the flexibility to choose how they receive their compensation. Furthermore, the consolidation of companies specializing in B2B payments strengthens the ecosystem's capacity to process massive volumes of commercial transactions using blockchain technology.
A key finding of the study is users' willingness to integrate these solutions with traditional banking. 77% of respondents stated they would open a stablecoin wallet if their primary bank offered the service, and 71% expressed interest in using debit cards linked to these balances.
For analysts, these responses suggest that, far from wanting to abandon the financial system, users are seeking a convergence where the stability of national currencies is combined with the agility of digital rail. The preference for holding a mix of various tokens pegged to the dollar or the euro, rather than just one, also indicates a maturity in risk management on the part of the holders.
Chris Harmse, co-founder and business director of BVNK, he highlighted that the findings of this study are revealing. “Users want stablecoin payments to feel normal: universal acceptance, a simple user experience, and built-in security.”He commented, emphasizing that stable currencies are becoming part of everyday life.
Enter here and trade stablecoins nowThe new language of digital money
In recent years, stablecoins have transcended their initial role as mere exchange tools in cryptocurrency markets. Today, they are part of a profound transformation in how digital money is conceived and used. An increasing number of people are receiving a portion of their income in this format, highlighting how adoption has shifted from the technical realm to everyday use.
Regulatory impetus and advances in digital infrastructure have created an environment that offers legal certainty, faster transactions, and a significant reduction in operating costs. All of this has allowed stablecoins to solidify their position as the core of a more transparent and efficient global payments network.
The study's findings show that, in many regions where financial stability has historically been a challenge, these assets offer a reliable and accessible alternative. The trust that millions of users place in them continues to fuel a process of monetary digitization that promises to redefine the circulation of value in the global economy.
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