Visa: Bank-level protections could pave the way for stablecoins in the US
A recent Visa survey suggests that providing stablecoin holders with protections similar to bank deposits could significantly boost trust in digital assets and accelerate their adoption in the United States. The survey comes as the industry prepares for the enactment of the GENIUS Act, which aims to establish clear rules for stablecoin issuers and ensure consumer protection.
Respondents noted that the lack of clear refund mechanisms and deposit insurance remains a key barrier to mass stablecoin use. If regulators offer bank-level protections, it could attract not only crypto enthusiasts but also traditional financial institutions.
Context for affiliate marketing and digital marketing
For affiliate marketers and digital marketing professionals, stablecoins have long been a tool for cross-border settlements and payouts. However, regulatory uncertainty in the US has forced many teams to use offshore jurisdictions. The passage of the GENIUS Act and increased protections could legitimize work with major US partners and simplify the integration of crypto payments into advertising campaigns.
Moreover, growing trust in stablecoins could stimulate new ad formats where payments are instant and volatility-free. This is particularly relevant for affiliate marketers working with high-risk verticals where transaction speed is critical.
Expert opinion
In our view, Visa's initiative reflects a broader trend of convergence between traditional finance and the crypto industry. If the GENIUS Act is passed soon, we will see a surge of interest in stablecoins from institutional investors and advertising platforms. However, much depends on the details of the bill: overly strict requirements could, on the contrary, stifle innovation. Affiliate teams should closely monitor developments and prepare their infrastructure for working with regulated stablecoins in advance.
