Visa proves the stablecoins to revolutionize cross -border payments

By Hannah Pérez

Visa is carrying out a pilot program that uses Stablecoins Prefinanced to expedite cross -border payments. Take advantage of the Circle, USDC and EURC stablocins, according to reports.

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• The Visa Payment Giant carries out a prefinant Stablecoins pilot program.
• Take advantage of the Circle, USDC and EURC stablocins, to finance cross -border payments.
• Try the option through its Visa Direct platform.
• The objective: reduce costs, unlock liquidity and accelerate payments that currently take days.

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Visathe World Payment Giant, has taken a step towards the future of financial transactions by launching a pilot program that allows financial institutions, banks and remittance suppliers Stablecoins To expedite cross -border payments.

According to reports published Tuesday by the media Bloomberg and The Blockthis initiative seeks to transform the way companies move money globally, offering faster, flexibility and efficiency in capital management.

Visa adopts innovative approach with stablocoins

The pilot program of Visa He is taking advantage of the Stablecoins USDC and EURC Circlewhich are linked to the US dollar and the euro, respectively, according to reports.

These digital currencies, backed by cash reserves and Treasury bonds in the short term, allow companies to finance their global accounts in real time through Direct visathe company’s real -time payment platform.

According to Bloombergthis solution eliminates the delays caused by insufficiently financed accounts, a common problem for remittance companies that must maintain prefinanced funds in each market where they operate.

Mark Nelsen, product manager of commercial solutions and visa money movement, explained in an interview with Bloomberg: “We are providing the immediate ability to move money to accounts in real time. It is a more efficient use of capital, since it can be deployed as necessary, instead of having to reserve funds for two or three days”

This approach reduces the need to immobilize large sums of cash, releasing liquidity and minimizing interruptions in the service, especially during weekends when traditional payment systems are not operational.

For its part, The Block He stressed that the pilot seeks to reduce the liquidation times from days to minutes, allowing companies to access liquidity more quickly. The beneficiaries will always receive payments in their local currency, which further simplifies the process.

Visa Direct and the expansion of Stablecoins

Direct visawhich connects approximately 11 billion brand cards, bank accounts and digital wallets in 195 countries, is the core of this initiative. The platform allows corporations, fintechs and cryptocurrency companies to take advantage of connections of Visa with national payment systems worldwide.

The integration of Stablecoins It means that customers can now finance their global accounts in real timeavoiding delays associated with traditional payment systems, shared Bloomberg.

“We will take stable currencies to Visa Direct – our Push Payment Platform, which allows real -time money movement to billions of final points”, Confirmed a spokesman for Visa to The Block. “In doing so, we are creating a world where payments can be settled in stable currencies, unlocking instant, global and programmable payments”

That person also said that, although the program uses USDC and EURC as the first Stablecoins In the pilot, there are plans to incorporate more digital assets in the future according to demand. Nor did he rule out the possibility that Visa Issue your own Stablecoinalthough he clarified that the current approach is to climb the cases of use of the existing stable currencies, according to The Block.

The program, which will be available in a limited way by April 2026, is in the test phase with selected partners, who may include partners of Tarjeras, Banks and other institutions; Although Visa did not reveal her identities.

Stablecoins: A booming market

The Stablecoinsdigital assets designed to maintain a stable value by being linked to Fiat coins, have gained popularity as an efficient alternative to traditional payment systems. Visa He has been integrating these coins into his network since at least 2021, and to date he has processed more than USD $ 225 million in volume of Stablecoinsa small but growing fraction of the USD $ 16 billion in payments and volume of total cash in its network during fiscal year 2024, he said Bloomberg.

The rise of the stablcoins coincides with key regulatory developments, such as the approval of the genius law in the US, the first federal legislation that establishes clear rules for the sector. According to The BlockStablecoins represent a market opportunity for one billion dollars, with applications that range from protecting savings in emerging markets with volatile currencies to facilitating faster and more economical cross -border transfers.

Chris Newkirk, president of commercial solutions and money movement of Visahe pointed to that media: “Cross -border payments have been trapped in obsolete systems for too long. Stablecoins integration into Visa Direct feels the foundations for money to move instantly worldwide, providing companies with more options on how they pay ”.

Visa associations to revolutionize payments

The pilot program is part of the strategy of Visa to expand beyond its traditional consumer card business and capture money flows such as payments between companies. Other cases of use of Direct visa They include instant payments to flexible workers, with temporary jobs, and immediate retreats for customers from Exchange of cryptocurrencies, according to Bloomberg.

This year, Visa It also associated with the platform Bridge of Stripe To issue cards related to Stablecoins and with Yellow Carda payment company with Stablecoins In Africa, to explore treasury and liquidity solutions, remember The Block.

Meanwhile, other large banks and financial institutions have also been exploring digital assets such as Stablecoins and Blockchain To redefine global payments, which for a long time has faced speed, cost and accessibility challenges.

The adoption of Stablecoins by Visa Not only does it respond to the growing demand for innovative payment solutions, but also positions the company as a key actor in the evolution of digital finances.

By complementing existing systems instead of replacing them, Visa is demonstrating that Stablecoins They can effectively integrate into traditional financial infrastructure.

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Article written with the help of AI, edited by Diariobitcoin

Edited image of Unspash, with visa logo

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