New Report Shows Clear Path for Credit Unions to Catch Up on Digital Assets | PYMNTS. com

A new report titled "Digital Currency at the Credit Union: The Gap Between Interest and Access" reveals a widening strategic challenge for financial institutions regarding digital currency adoption. Released by PYMNTS Intelligence and Velera, the study identifies a clear disconnect between the growing demand for digital assets among younger generations and the limited access currently provided by many credit unions. The research is based on a survey of 13,918 U.S. consumers conducted between October 31 and December 30, 2025. While interest in cryptocurrency and stablecoins remains limited among the broader population, data indicates that millennials and Gen Z are far more engaged. Many view digital assets as a normal part of the financial landscape for investing or payments, yet most credit union members remain unaware of whether their institution offers such services. Two-thirds of credit union members do not know if their institution supports cryptocurrency, and 70 percent are unsure about stablecoins. This uncertainty signals a wide gap between emerging interest and current awareness. The report notes that stablecoins still lack a clear consumer identity, with interest in payments trailing crypto payments only slightly. To address this, the playbook recommends a measured path forward focused on digital wallet capabilities. Rather than treating crypto as a standalone product strategy, institutions should prioritize interface and ease of use through wallet infrastructure and partnerships. Doing nothing carries its own risk, as younger consumers seeking these tools are already migrating to digital-first platforms such as Coinbase, Robinhood, or Cash App.