According to a recent LinkedIn post from Interlace, the company draws attention to what it describes as a growing gap between consumer interest in using stablecoins and actual transaction activity at checkout. Citing BVNK’s Stablecoin Utility Report 2026, the post points to data indicating that 42% of surveyed users want to spend stablecoins on major purchases, while only 28% currently do so.
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The post characterizes this 14 percentage point shortfall as a “Spending Gap” attributed primarily to limited merchant acceptance rather than a lack of consumer readiness. It suggests that merchant infrastructure and payment integration, rather than end-user demand, may now be the primary constraints on broader stablecoin payment adoption.
Interlace’s commentary implies that resolving this bottleneck could be an important driver for transaction volume growth across the stablecoin ecosystem. For investors, this framing positions merchant-facing payment solutions and integration platforms as potential beneficiaries if adoption accelerates, especially those that can make stablecoin payments operationally comparable to traditional card transactions.
The post also raises questions about how merchants in different sectors are preparing for potential demand for “stablecoin rails,” hinting at a possible competitive divide between early adopters and laggards. If merchants increasingly seek to support stablecoins, companies like Interlace that focus on digital payment infrastructure could see expanded market opportunities, though regulatory, volatility, and compliance factors remain key external risks.