British payment infrastructure provider BVNK partnered with YouGov in the fall of 2025 to survey 4658 respondents across 15 countries. The findings highlighted a significant shift: 39% of respondents already receive a portion or the entirety of their salary in stablecoins.
How Crypto Users Use Them for Payments
Around 27% of participants regularly pay with stablecoins in retail stores or online services, primarily driven by low fees. This becomes especially beneficial for cross-border payments. Paying for international services allows users to save up to 40% compared to traditional bank transfers.
More than half of those surveyed specifically seek out merchants accepting stablecoins. That figure hits 60% in emerging markets. Another 42% plan to make major purchases using stablecoins (while 28% currently do so).
Workers receiving their salary in stablecoins hold an average of 35% of their annual income in these assets. The average global wallet balance is $200, climbing to $1000 in high-income countries.
Statistics by Country
Stablecoins are particularly popular in low- to middle-income nations, where 60% of residents hold them. That metric drops to 45% in wealthier jurisdictions. Africa represents the absolute leader, reaching a 79% penetration rate. Users actively diversify their funds across different stablecoins to minimize risks.
What Comes Next
Crypto exchanges remain the top storage choice (46%), followed closely by payment apps like PayPal (40%). Furthermore, 77% are ready to open a cryptocurrency account with their traditional bank once the service becomes available. Another 71% want a debit card for direct stablecoin spending.
The BVNK survey proves stablecoins are steadily evolving into a convenient, everyday payment tool for millions of people globally.
This post is for informational purposes only and does not constitute advertising or investment advice. Please do your own research before making any decisions.