Stablecoin & Instant Payment Adoption Attitudes

Thanks for taking a few minutes to share your views on stablecoins and instant payments — apps and services that move money in seconds instead of days. Your responses are completely confidential and anonymized. There are no wrong answers here; your honest experience is what helps most. About 6-8 minutes.

Which of these instant payment options have you heard of before today?

• Bank-to-bank instant transfers (e.g., FedNow, RTP)
• Peer-to-peer payment apps (e.g., Venmo, Zelle, Cash App)
• Stablecoins (e.g., USDC, USDT, PayPal USD)
• Cryptocurrency wallets in general

In the last 30 days, which of these did you personally use to send or receive money?

• Bank-to-bank instant transfer (FedNow, RTP, or similar)
• Peer-to-peer payment app (Venmo, Zelle, Cash App, etc.)
• A stablecoin (USDC, USDT, PayPal USD, etc.)
• Traditional bank transfer (1-3 business days)
• Cash or check

How much do you trust stablecoins (privately issued digital dollars) as a way to hold or move money for everyday purchases?

How much do you agree with each statement about instant payments and stablecoins?

When choosing how to send or receive money, which of these matters most to you, and which matters least?

• Speed of the transfer
• Low or no fees
• Security against fraud
• Regulatory protection or backing
• Ease of use
• Acceptance by merchants and businesses
• Privacy of transaction details
• Ability to convert instantly to cash

Rank these potential concerns about stablecoins from biggest to smallest barrier for you personally.

1. Price volatility or losing value
2. Security or hacking concerns
3. Not accepted by merchants I use
4. Unclear regulation or legal protection
5. Unfamiliarity with how it works
6. Concerns about who issues or backs it

Thinking about paying a fee to send $500 instantly using a stablecoin or instant payment app, please answer with a dollar amount for each question.

• At what fee for an instant $500 transfer would you consider the price so low that you'd question its security or reliability?
• At what fee for an instant $500 transfer would you consider it a bargain — a great deal for the value?
• At what fee for an instant $500 transfer would you begin to think it's expensive, but you'd still consider using it?
• At what fee for an instant $500 transfer would you consider it too expensive to ever use?

Probe the reasoning behind the respondent's trust rating for stablecoins and their top-ranked barrier: ask for a specific recent experience (or lack of one) that shaped their view, what would need to change for their trust to increase even slightly, and whether their concern is really about the technology, the issuer, or the regulation. If they rated trust very high, probe what would make them switch a recurring payment like rent or payroll to a stablecoin instead of their bank.

How likely are you to use a stablecoin or instant payment option for a purchase or transfer in the next 12 months?

• Definitely will not
• Probably will not
• Might or might not
• Probably will
• Definitely will
• I already do this regularly

What is your age range?

• 18-24
• 25-34
• 35-44
• 45-54
• 55-64
• 65 or older
• Prefer not to say

What is your annual household income?

• Under $30,000
• $30,000-$59,999
• $60,000-$99,999
• $100,000-$149,999
• $150,000 or more
• Prefer not to say

Where do you primarily keep and manage your money today?

• A traditional bank
• A credit union
• A fintech or neobank app
• A crypto exchange or wallet
• I don't currently use a bank account
• Prefer not to say

That's everything — thank you! Your responses feed into a report on trust, priorities, and barriers shaping how people adopt stablecoins and instant payments.