Visa combines VisaNet data with onchain lending to power stablecoin card working capital
Visa has announced that its stablecoin settlement volume has reached an annualized run rate exceeding $20 billion, representing a 15x increase compared to the previous year. To capitalize on this growth, the payments giant is opening its settlement data to blockchain-based lenders to facilitate credit extension for card issuers. By providing lenders with visibility into transaction patterns and settlement reliability, Visa aims to bridge the gap between traditional payment rails and decentralized finance protocols. This initiative allows lenders to better assess the risk profiles of crypto-native card issuers, potentially unlocking more efficient capital deployment for the sector. The move signifies a strategic shift where institutional payment infrastructure is increasingly integrated with blockchain-based lending ecosystems. As stablecoin usage for cross-border and commercial payments matures, this data-sharing model provides a blueprint for institutional-grade credit underwriting in the RWA space. Ultimately, this development highlights the growing synergy between global payment networks and the tokenized asset economy, fostering a more robust environment for blockchain-enabled financial services.
- Visa's stablecoin settlement volume hit a $20 billion annualized run rate.
- Annual settlement volume grew 15x year-over-year, signaling rapid adoption.
- Visa is sharing settlement data to enable credit extension for crypto card issuers.
- Integration aims to improve risk assessment for blockchain-based lending protocols.
Visa is a global leader in digital payments, facilitating transactions between consumers, merchants, and financial institutions worldwide. The company has increasingly integrated blockchain technology into its infrastructure, specifically focusing on stablecoin settlement to improve the speed and efficiency of cross-border payments. By leveraging its vast network, Visa acts as a bridge between traditional fiat-based financial systems and emerging decentralized digital asset markets.