The COVID-19 pandemic created an unprecedented disruption to coin circulation patterns in the United States. Similarly, the pandemic changed the way many Americans use cash as a payment instrument. This topic will share insights on current cash usage from the Federal Reserve’s 2024 Diary of Consumer Payment Choice and explore the implications for U.S. coin demand and circulation patterns. Did the U.S. economy reach a “floor to cash” in 2020, and if so, what does that mean for current and future coin use? Do the current levels of coin demand represent a new normal, or will coin usage return to the long-run average volumes that were the norm pre-pandemic?