BVNK’s 2026 Stablecoin Usage Report revealed that stablecoins constitute a significant portion of individual savings on a global scale. According to the report, stablecoin holders allocate an average of 34 percent of their total savings to crypto assets and stablecoins. This ratio shows that stablecoins are not a temporary or secondary option for investors, but reflect a conscious portfolio choice.
Differences in Usage in Developing and High-Income Economies
While the share allocated to stablecoins in developing countries increased to 36 percent, this rate is 29 percent in high-income economies. The data in the report show that the underlying reasons for this difference vary between the two groups. The trend towards stablecoins in high-income countries is mainly explained by the search for earnings, trust in dollar terms and experience in digital finance infrastructure. On the other hand, in emerging markets, reasons such as depreciation of the local currency, difficulties in accessing banking or capital control direct users to digital dollar-based assets.
Savers Who Rely Heavily on Stablecoins
Another prominent finding in the report is that 21 percent of stablecoin users invest more than half of their total savings in these assets. In the world of traditional finance, it is not uncommon for the portfolio to be so concentrated in a single asset class. However, the report reveals that stablecoins have taken on a fundamental role as a means of savings for some users and are no longer a sidelined alternative.
BVNK considers this trend not as “marginal” but as a conscious asset allocation choice, pointing to users’ search for value, access and control.
This scale of reliance on stablecoins shows that digital dollar-based assets are increasingly taking over the function of payment, savings and store of value around the world.
Over 140 New Stablecoin Issuers
According to the data shared by Artemis, the number of stablecoins with a supply exceeding at least 10 million dollars has exceeded 140, and this number increased by 89 percent in 2025 alone. While there were almost no tokens in 2017, approximately 50 were reached by 2022, and then growth accelerated and reached today’s point in 2026.
However, this rapid increase does not mean that there is diversification in the market. More than 99 percent of the total stablecoin supply is still backed by the US dollar. Institutions are competing to build their own digital dollar infrastructures in the near term. PayPal’s launch of PYUSD, Ripple’s launch of RLUSD, and BlackRock’s launch of BUIDL are examples of this trend. Stripe and other financial institutions are also increasing their infrastructure investments for stablecoin integration into payment systems.
Each new stablecoin means a new distribution channel of on-chain dollar-based value transfer. In this way, the US dollar reaches areas of payment and savings that traditional financial systems cannot reach. However, whether this growing ecosystem will truly be shaped for the benefit of users or corporate interests will depend on the regulations to be determined in the future.
