Visa encryption card spending surged by 525%, pushing encryption payments from niche to mainstream. This article delves into the driving forces and future trends behind the consumption boom from the perspectives of on-chain data, the role of stablecoins, the expansion of consumption scenarios, and participation in DeFi projects.
Visa encryption card consumption surged by 525% core data
According to public blockchain data, the total spending on cryptocurrency cards supporting Visa is expected to rise from $14.6 million in 2025 to $91.3 million, an increase of 525%. This growth rate far exceeds the conventional growth levels of the traditional payment industry, indicating that cryptocurrency payments are rapidly gaining popularity.
Especially in the context of the rise of stablecoins and the growth of encryption wallet users, encryption cards are becoming a daily consumption and cross-border payment tool for many users.
Changes in on-chain user behavior
Several important changes have occurred in user behavior:
- Payment frequency increases
- The payment scenario extends to offline consumption.
- In line with traditional credit card usage habits
- Users prefer to hold stablecoins for consumption rather than speculation.
These changes signify that encryption assets are transitioning from “investment tools” to “financial tools.”
The key role of stablecoins in payments
Behind the 525% surge in Visa encryption card spending is stablecoins becoming the “infrastructure” for on-chain payments.
The benefits of stablecoins include:
- Stable prices, suitable for daily consumption
- Can settle across borders 24 hours a day
- Low fees
- Easy integration with the Visa network
With the multi-chain expansion of stablecoins like USDC and USDT, users’ consumption experience has been further enhanced.
encryption card consumption category extension
The category of consumption is expanding:
- Offline retail: supermarkets, restaurants, daily consumption
- Online Services: Subscription Platform, Digital Goods
- Cross-border payment: travel, overseas shopping
- Digital Economy Consumption: Gaming, NFT Market
The popularity of encryption cards has made overseas payments more convenient and reduced exchange rate and transaction fee costs.
Future Opportunities from an Investor’s Perspective
Visa encryption card spending surged by 525%. Insights for investors include:
- The growth potential of payment infrastructure projects is significant.
- The usage of stablecoins is expected to continue to increase.
- Decentralized payment and fiat payment will further integrate.
- Cards that combine yield or staking features will attract more users.
In the coming years, on-chain payment is expected to become one of the most important applications of Web3.
encryption payment risks
Despite rapid growth, the industry still faces:
- Compliance risk: Regulatory standards are not yet unified across countries.
- Asset security risks: private key leakage, wallet theft
- Technical risks: cross-chain vulnerabilities, smart contract attacks
- Insufficient user education
The industry needs to constantly enhance security and stability to allow encryption payments to truly enter the mainstream.
Conclusion
Visa encryption card spending surged by 525%, marking an important milestone for the encryption industry as it moves towards the mainstream. With the popularity of stablecoins, improved infrastructure, and expanded payment scenarios, encryption payments are expected to parallel or even integrate with traditional payments in the future, becoming an important component of the global financial system.
* The information is not intended to be and does not constitute financial advice or any other recommendation of any sort offered or endorsed by Gate.
