Digital assets may be winning consumers’ attention, but a 14-percentage-point gap shows they haven’t yet won the checkout. Forty-two percent of stablecoin holders say they want to use digital assets for major purchases, while 28% currently do. Seventy-one percent of stablecoin holders say they would use a linked debit card to spend stablecoins. Seventy-seven percent of consumers say they would open a crypto or stablecoin wallet through their existing banking or FinTech app if the option were available. Barriers remain: nearly half of surveyed consumers cite limited merchant acceptance, while 45% cite transaction costs, 43% cite volatility and 36% cite fraud concerns.