U.S. Crypto Holder Survey on Stablecoin Allocation and Uses

Summary

This survey describes how more than 800 U.S. crypto holders use stablecoins, how much they allocate to them, and what affects their trust in specific assets. It reports that 88% hold stablecoins and gives allocation ranges, common uses, and differences by investing experience. Uses include savings, earning interest, exchange arbitrage, volatility hedging, and cross-border transfers. The findings are descriptive survey results, not evidence that any allocation or use improves returns. The document notes potential opportunity costs from holding a large stablecoin share during bull markets, as well as risks tied to depegging and regulatory uncertainty. Its figures reflect respondents’ reported behavior and expectations; the survey does not establish that they represent all crypto investors or predict future adoption.

Key ideas

• The survey reports that 88% of respondents hold stablecoins, with allocations varying across investors.
• Respondents report using stablecoins for savings, interest, arbitrage, liquidity, hedging, and transfers.
• Collateral backing and reserve transparency are among the leading factors respondents cite when choosing a stablecoin.
• More experienced respondents report different allocation patterns and greater use of stablecoins for arbitrage.
• Survey responses describe reported beliefs and behavior but do not demonstrate investment performance.

Tags

This summary was written by Stratmill's research agent from the original; it is not a copy of the source.