According to a recent survey, over 40% of Americans indicated that they would be willing to use decentralized finance (DeFi) protocols if relevant legislation is passed.
The cryptocurrency lobbying group DeFi Education Fund (DEF) found in a survey released on Thursday that many Americans are "curious about DeFi," with respondents expressing low trust in the traditional financial system.
The survey, conducted by Ipsos from August 18 to 21, included 1,321 American adults. Alec Tyson, Vice President of Public Affairs at Ipsos, stated that the research found "as many Americans express dissatisfaction with the current financial institutions' ability to provide security, personalized control, and flexibility, awareness of cryptocurrency and decentralized finance is on the rise."
The poll showed that 42% of respondents said they might try DeFi if relevant legislation is passed, with 9% stating it is "extremely likely or very likely," and 33% responding "somewhat likely" to try it. Congress is currently reviewing related bills that will define the legal status of many cryptocurrencies and clarify how national financial regulatory agencies will oversee the industry.
Two-fifths, or 40%, of respondents indicated they "might try DeFi," with 84% of those respondents stating they would use it for online purchases.
Only 12% of respondents expressed a strong or extreme interest in learning about DeFi, while nearly 40% believe that DeFi can address the high transaction and service fees found in banks and traditional finance.
"I can keep more of my paycheck in my pocket. I don't have to rely on any financial institution or pay them fees," said a respondent from Queens, New York City.
DEF stated that the survey found trust in traditional finance to be "generally low," with data showing significant disparities and skepticism in the financial sector.
Less than half of the respondents believe that the current U.S. financial system meets their financial needs, and only a quarter think the traditional system is designed for the benefit of ordinary people.
Researchers noted that more Americans want "to have control over my funds at all times," with many looking for ways to send or receive money without intermediaries.
Financial monitoring and security are also major concerns, with only 29% of surveyed Americans believing that the U.S. financial system is currently safe.
About three-quarters of respondents agreed that the current financial system needs an upgrade to address new threats such as cybercrime or artificial intelligence.
"The desire for stronger security and lower transaction fees is the main reason Americans are interested in DeFi; they believe DeFi can alleviate friction points in today's finance," the researchers concluded.
Last month, Federal Reserve Governor Christopher Waller stated that there is "nothing to fear" about cryptocurrency payments operating outside the traditional banking system.
According to DefiLlama data, DeFi remains a very emerging industry, with a total locked value of all protocols currently at $160 billion, which is even lower than Boeing's market value.
Related: The U.S. House of Representatives will consider a retrospective ban on central bank digital currencies (CBDC) in the market structure bill.
Original article: “DeFi Education Fund (DEF) Poll Shows: 40% of Americans Say They Would Use DeFi with Legal Protection”
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