A second-quarter "Voice of the Consumer" survey from S&P Global Market Intelligence found that digital wallets have become a mainstream payment method among U.S. consumers, while cryptocurrencies, stablecoins and AI agents still face notable trust and safety barriers. The survey said 67% of respondents had used a digital wallet in the past 90 days, and 45% used one weekly. By contrast, 68% said they had never engaged with cryptocurrencies, and 59% said crypto had no practical use. Stablecoin awareness was just 16%, with the main concerns centered on fraud risk at 48%, fund security at 46%, and a view that there is simply no need for them at 39%. Acceptance of AI agents was also limited. The survey found that 47% of respondents would not allow AI to make purchases on their behalf at all. Among those open to AI in payments, most still wanted human confirmation or would only accept AI in a recommendation role. S&P Global said clearer regulation alone may not be enough to shift consumer views on stablecoins, and issuers still need to address core trust issues such as fraud and fund security.
On Sept. 13, BlockBeats reported that S&P Global Market Intelligence's second-quarter "Voice of the Consumer" survey found digital wallets have become a mainstream payment method for U.S. consumers, while cryptocurrencies, stablecoins and AI agents continue to face trust and security hurdles.
The survey showed that 67% of respondents had used a digital wallet in the past 90 days, and 45% said they use one weekly. In contrast, 68% of consumers said they had never engaged with cryptocurrencies, while 59% said crypto has no practical use.
Stablecoin awareness stood at 16%. The main concerns were fraud risk at 48%, fund security at 46%, and the view that there was "no need" for them at 39%.
Acceptance of AI agents was also limited. The survey found that 47% of respondents said they would not allow AI to make purchases on their behalf under any circumstances. Among consumers willing to use AI in payments, most still wanted human confirmation or would only accept a recommendation-based model.
S&P Global said regulatory clarity may not be sufficient on its own to change consumer attitudes toward stablecoins, and issuers still need to address core trust issues including fraud and fund security.
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