Lydian has published research showing strong consumer interest in using stablecoins for everyday payments in several emerging markets. The survey covered 7,500 consumers in Argentina, the Philippines, Indonesia, Kenya and the UAE.
The findings show that 76% of respondents are likely to use stablecoins for small daily purchases such as coffee, groceries and transport, while 73% are likely to use them for recurring bills including rent, utilities and tuition.
Another 72% said they would actively choose a retailer that offers stablecoin payments alongside cash and cards. A third said they had already used stablecoins for a payment or transfer in the past month, suggesting their use has moved beyond trading and remittances into routine spending.
The research points to inflation and currency weakness as major drivers of demand. It found that 76% said inflation had reduced their purchasing power over the past year, while 71% said a payment method that protects against currency devaluation would be very or extremely valuable.
Consumers also linked stablecoins to lower cross-border costs. The study found that 73% would use them for international payments to avoid foreign exchange mark-ups and transaction fees.
For merchants, the figures suggest a possible shift in how payment choice affects customer acquisition. In markets where credit card access remains uneven but mobile wallets are more common, accepting digital dollar-linked tokens could help retailers appeal to customers who already hold funds in digital form.
The results also point to further room for growth. Among respondents who do not currently use stablecoins, 30% said they plan to adopt them in future.
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