Survey Suggests 42% of Americans Could Try DeFi If Laws Pass as Trust in Banks Wanes; Bitcoin Cited

  • 42% of Americans would likely try DeFi if legislation is enacted

  • Trust in traditional finance is low; many seek lower fees, greater security and direct control.

  • Survey of 1,321 U.S. adults (Ipsos, Aug. 18–21): 84% of likely DeFi users would use it for online purchases; DeFi TVL ≈ $160B (DefiLlama).

DeFi adoption: 42% of Americans say they’d try decentralized finance if laws pass — read why interest is growing and how to evaluate DeFi safely.

What is driving DeFi adoption in the US?

DeFi adoption is being driven by widespread dissatisfaction with traditional finance, as many Americans seek lower transaction fees, stronger security and direct control over funds. A DeFi Education Fund–Ipsos survey shows curiosity and conditional willingness to adopt DeFi if regulatory clarity is provided.

How likely are Americans to try decentralized finance?

The Ipsos poll of 1,321 U.S. adults found 42% said they would likely try DeFi if proposed legislation became law. That group breaks down to 9% “extremely/very likely” and 33% “somewhat likely.” Of those likely to try DeFi, 84% would use it for online purchases, signaling practical consumer demand.




Frequently Asked Questions

Would clearer regulation increase DeFi adoption?

Yes. The survey shows conditional interest: many respondents said they would try DeFi if proposed laws provided clarity. Regulatory certainty appears to be a key adoption trigger.

How does public trust in banks compare to interest in DeFi?

Trust in traditional finance is low: less than half of respondents believe the current system meets their needs and only 29% consider it secure. That skepticism correlates with increased curiosity toward DeFi solutions.

DeFi TVL chart from DefiLlama

DeFi TVL approaches ATH but remains small overall. Source: DeFilLama

The DeFi Education Fund noted broad curiosity and a perception that decentralized systems could reduce fees and increase security. Ipsos conducted the poll Aug. 18–21 with 1,321 U.S. adults.

Only 12% of respondents reported being very or extremely interested in learning about DeFi today, indicating that adoption may first grow among those motivated by practical use cases, such as online purchases.

Federal Reserve Governor Christopher Waller has commented publicly that crypto payments functioning outside traditional banks are not inherently frightening, a view that may influence regulatory tone and consumer confidence.

DeFi remains nascent: total value locked across protocols is approximately $160 billion, per DefiLlama, which underscores that the sector is still far smaller than many legacy financial markets.

Related: Thailand’s citizens are waking up to frozen bank accounts: Bitcoin anyone?

Magazine: XRP to retest highs? Bitcoin won’t go sideways for long: Hodler’s Digest

Key Takeaways

  • Significant conditional interest: 42% of Americans would likely try DeFi if legislation provides clarity.
  • Trust gap: Low confidence in traditional finance is a primary driver of DeFi curiosity.
  • Practical demand: Most potential adopters would use DeFi for online purchases and to reduce fees.

Conclusion

Survey data shows growing conditional interest in DeFi adoption driven by mistrust in traditional finance and demand for lower fees and greater control. As regulators debate policy, consumers and developers should prioritize security, transparency and education. Follow COINOTAG for ongoing coverage and practical guidance on navigating the evolving DeFi landscape.

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