71% of Stablecoin Holders Would Spend Them With a Debit Card

# 71% of Stablecoin Holders Would Spend Them With a Debit Card

> Evidence tier: B1
> Evidence type: Payments research summary produced by PYMNTS Intelligence with Paymentology
> Source: [PYMNTS](https://www.pymnts.com/cryptocurrency/2026/71-percent-of-stablecoin-holders-would-spend-them-with-a-debit-card)
> Published: 2026-08-11
> Captured: 2026-08-11T12:42:47.534Z

## Source summary

A PYMNTS Intelligence and Paymentology research summary says 71% of stablecoin holders would use a linked debit card, while 42% want to use digital assets for major purchases and 28% already do. It also reports that 77% would open a wallet through an existing bank or FinTech app, and that annualized crypto-card spending reached roughly $18 billion by late 2025 after rising about fifteenfold from early 2023.

## Why it matters

The gap between ownership and checkout use suggests that familiar card acceptance, real-time conversion and trusted bank or FinTech interfaces may matter more than asking merchants to accept stablecoins directly. This is relevant to cross-border business payments because the same bridge can provide dollar-denominated value and faster settlement. The article does not disclose the survey sample or full methodology, and stated willingness is not the same as observed adoption.

## Key numbers

- **Stablecoin holders willing to use a linked debit card:** 71%
- **Major-purchase demand versus current use:** 42% want to; 28% currently do
- **Consumers willing to open a wallet through an existing financial app:** 77%
- **Annualized crypto-card spending by late 2025:** about $18 billion after roughly 15x growth

## Topics and entities

- Industry lane: Web3 & stablecoin payments
- Entities: PYMNTS Intelligence / Paymentology
- Web3 payments
- Cross-border payments
- Payment infrastructure

## Evidence and credibility note

PYMNTS Intelligence research produced with Paymentology. The article reports the headline figures but does not provide the full sample, questionnaire or methodology on-page; intent measures should not be treated as observed transaction adoption.

Date evidence: Automatically verified from article:published_time: 2026-08-11T08:00:46+00:00

## First-party corroboration

No directly corresponding A1 company announcement is currently linked.

## Original-source traceback

[Open the original PYMNTS report](https://www.pymnts.com/cryptocurrency/2026/71-percent-of-stablecoin-holders-would-spend-them-with-a-debit-card)

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This is a structured Payments Hot Markdown source summary derived from external reporting. Use the original link above to read the publisher's article; copyright remains with the original publisher.