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Stablecoin Ownership Is Widespread. Stablecoin Spending Is Not.

7/21/2026

A survey from MNEE Pay and YouGov released July 21 finds that millions of Americans hold stablecoins but most cannot use them for everyday purchases.

The barrier is merchant acceptance: retailers and service providers have not adopted stablecoin payment infrastructure on any meaningful scale.

The research, issued from Wilmington, Delaware, puts scale on an ownership-utility split that has defined the stablecoin conversation without population-level data to support it.

The gap between holding and spending Ownership is not the problem. The survey confirms Americans have been accumulating stablecoins in significant numbers.

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