Survey Unveils Significant Disparity in Stablecoin Usage Among Americans

A recent study conducted by MNEE Pay in collaboration with YouGov has shed light on the growing trend of stablecoin ownership in the United States. Millions of Americans are now in possession of these digital currencies, yet a vast majority find themselves unable to spend them in everyday transactions. This predicament primarily stems from a lack of acceptance among merchants, who have yet to fully embrace stablecoin payments.

The findings from the survey indicate that approximately 62% of individuals who hold stablecoins have reverted back to cash at least once due to merchants not accepting their digital currencies. This statistic highlights a significant disconnect between consumer demand for stablecoin payments and the infrastructure that businesses currently have in place to accommodate these transactions.

"Consumers have already embraced digital dollars and expressed a desire to utilize stablecoin payments in their daily commerce," explained Ron Tarter, the Founder and CEO of MNEE Pay. He emphasized that the prevailing issue lies with merchants who need to adapt to this evolving digital landscape. Early adoption by businesses could yield benefits such as reduced processing fees, expedited settlement times, and access to a customer base eager to utilize their stablecoins.

Key Insights from the Survey

1. Merchant Preferences: A striking 84% of stablecoin holders indicated that they would prefer shopping with merchants who accept stablecoin payments.
2. Spending Willingness: If ten of their favorite merchants began accepting stablecoins, 82% of respondents stated they would shift at least 1% of their monthly expenditures toward stablecoin use.
3. Ecommerce Demand: 79% of those surveyed considered online shopping as a primary avenue where they would utilize stablecoins if acceptance was available across various platforms.
4. Future Intentions: A considerable 54% of stablecoin owners revealed they are holding onto their currencies specifically for future spending.

Interestingly, the survey also highlighted a significant generational divide in stablecoin ownership. Among crypto holders aged 18 to 34, a substantial 88% possess stablecoins, contrasting dramatically with only 15% of individuals aged 55 and older. This trend suggests that as younger generations gain more financial power, the need for merchants to accept stablecoins will become increasingly critical.

Stablecoin holders have expressed enthusiasm for employing their digital currencies across a variety of sectors, including ecommerce, subscription services, restaurants, travel accommodations, local retail, and payments for freelance services.

Tarter noted, "The demand for stablecoin acceptance is present. What is lacking is the corresponding infrastructure that would enable consumers to spend their stablecoins with the same ease as traditional credit cards or digital wallets today."

About MNEE Pay

MNEE Pay is at the forefront of the stablecoin payment revolution, providing a platform that allows businesses to accept stablecoin payments with assured lower processing costs, quicker settlements, and an expansive global reach. By aiding merchants in integrating stablecoin payments alongside their existing systems, MNEE Pay is paving the way for a future where digital currencies have a seamless and everyday presence in commerce.

To learn more about MNEE Pay and stay updated on their initiatives, visit www.mneepay.com.

Methodology

The survey was commissioned by MNEE Pay and conducted by YouGov Plc, with a total sample size of 251 U.S. adults who own any form of cryptocurrency, among which 103 reported owning stablecoins. The online survey was conducted from April 16 to April 21, 2026, and aimed to gather insights into the evolving landscape of stablecoin ownership and merchant acceptance.