Fintech
The world’s largest payment network is geared towards a future where Stablecoins moves money across borders as easily as email.
Visa has launched a pilot that will allow financial institutions to use the digital dollar and euro as settlement balances. This is a move designed to reduce the time and costs of international remittances.
Instead of tying the Fiat Fund for several days, banks and monetary mobile companies can now directly preload visas with silly things like USDC and EURC. These balances are treated like traditional cash, allowing payouts to reach end users within minutes while arriving in local currency. According to Visa, the model provides businesses with access to liquidity more quickly and provides greater flexibility in managing global operations.
Laying the foundation for mainstream adoption
The pilot is currently limited to selected partners, with wider deployments expected by April 2026. The visa does not disclose the institutions involved, but we have confirmed that the circle’s stubcoins will be tested first. As demand increases, more digital assets can be added later.
Asked if Visa could issue its own token, company representatives kept the door open, but they emphasized that it was to scale existing stable rock use cases through card payments, settlement flows and bank integration.
Several years of strategy
The launch is built on several initiatives. Visas are experimenting globally. Previously, they partnered with Stripe-owned bridges to create visa cards directly linked to Stablecoin balances, allowing merchants to access digital currency spending worldwide. In Africa, the company worked with Yellowcard to explore Stablecoin-based financial tools. They also used Stablecoins to pilot card issuer settlements and developed tokenized asset platforms to help banks issue their own digital money.
Regulation tailwinds and market potential
Visa’s move comes after the US Genius Act, the first federal law to establish clear fundamental rules for Stablecoins. With forecasts suggesting a trillion dollar market opportunity, global payment providers see it as a way to modernize cross-border trading while providing stability in countries with unstable currencies.
Chris Newkirk, president of Visa’s Commercial and Money Movement Solutions, said the industry is lagging behind due to change. “Cross-border payments are too long and stuck in an outdated system. Stablecoins integrated into VisaDirect can change how money moves around the world.”
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