OKX Survey Reveals Widespread Stablecoin Yield Usage Among Experienced US Crypto Traders

by
Alisa Davidson

Printed: March 18, 2026 at 9:25 am Up to date: March 18, 2026 at 9:19 am

by Anastasiia O

Edited and fact-checked:
March 18, 2026 at 9:25 am

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Cryptocurrency alternate OKX launched a survey of 1,000 lively cryptocurrency merchants in the USA signifies that behaviors the banking sector has urged Congress to limit are already widespread. 

Based on the findings, over 65% of respondents have used on-chain instruments to earn yield on stablecoins, with greater than one-quarter partaking in these actions recurrently. The info means that the deposit flight state of affairs usually cited in opposition to the GENIUS Act has not occurred.

The surveyed merchants characterize a extremely skilled section of the market, with almost two-thirds having begun lively buying and selling previous to 2023 and navigating a number of market cycles. 

Regardless of their expertise, on-chain buying and selling stays operationally difficult. Twenty-nine p.c of respondents recognized safety dangers and scams as the first barrier stopping them from additional engagement, forward of issues associated to charges, pricing uncertainty, and different elements.

Stablecoin yield methods have change into more and more mainstream amongst lively merchants. Offering liquidity to stablecoin swimming pools is essentially the most extensively adopted method, partaking almost 40% of individuals, adopted intently by staking on centralized platforms at barely greater than 36%. Lending by decentralized finance protocols additionally attracts almost one in 5 customers. These traits point out that stablecoin yield is getting used much less as a speculative instrument and extra as a sensible monetary instrument, bridging centralized infrastructure and decentralized markets.

Merchants Search Management Whereas Delegating Operational Burdens

The survey additionally highlights a powerful desire amongst merchants for sustaining management over their property. Fifty-one p.c of respondents indicated a need to handle most buying and selling actions themselves with some automation, whereas 38 p.c desire full duty. Solely two p.c expressed willingness to relinquish management solely. Nonetheless, operational challenges stay a limiting issue: 25% of respondents concern making irreversible errors, and 23% report issue managing a number of functions. Points reminiscent of seed phrase administration, irreversible transactions, and fragmented consumer interfaces proceed to constrain even skilled merchants.

Concerning delegation of on-chain duties to exchanges, respondents had been most comfy outsourcing best-price routing, adopted by rip-off detection, execution timing optimization, and bridging. Just one p.c indicated that they’d not delegate any actions. This sample displays a need to retain strategic decision-making whereas offloading operational and safety tasks, a division of labor lengthy established in conventional finance that crypto platforms are actually anticipated to copy.

The survey additionally underscores the potential position of regulatory readability in accelerating on-chain adoption. When introduced with a mannequin combining centralized alternate infrastructure with on-chain execution, 90% of respondents expressed optimistic curiosity, a determine that rises when regulatory frameworks are thought-about. Safety issues, recognized because the main barrier to engagement, are the kind of threat that laws addressing custody guidelines, client protections, and legal responsibility frameworks might mitigate.

Multiple-third of respondents anticipate utilizing centralized exchanges as their major gateway to on-chain markets, whereas solely 16% plan to entry these markets instantly by decentralized finance platforms.

Alisa, a devoted journalist on the MPost, focuses on cryptocurrency, zero-knowledge proofs, investments, and the expansive realm of Web3. With a eager eye for rising traits and applied sciences, she delivers complete protection to tell and interact readers within the ever-evolving panorama of digital finance.

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