What is Visa's new stablecoin service?: an in-depth analysis

Source: CritpoTendencia Original Title: What is Visa’s new stablecoin service?: an in-depth analysis Original Link:

Key Points

• Launch: Visa launches Stablecoin Advisory Practice, a settlement service with USDC for fintechs, banks, and businesses in the U.S.
• Partnership and Pilot: Collaboration with Circle (USDC); already operating with Cross River Bank and Lead Bank, with expansion planned for 2026.
• Benefits: 24/7 settlement, 7-day windows, treasury management via API, and interoperability between traditional payments and blockchain.
• Scale and Demand: Global pilots exceed $3.5 billion annualized; responds to banks’ pressure to adopt stablecoins for cross-border and B2B payments.

Visa accelerates its foray into stablecoins

The payment and card giant, Visa, is rapidly evolving toward incorporating stablecoins or stablecoin business. This demonstrates that the company has huge ambitions in this sector linked to the broader cryptocurrency market. Favorable policies in the United States are one of the main drivers of this move.

On this occasion, the firm announced the launch of a settlement service with these tokens for companies wishing to adopt them. The so-called Stablecoin Advisory Practice focuses on encouraging the adoption of stablecoins among fintechs, banks, and other businesses.

Thus, the company becomes one of the leading promoters of crypto commerce implementation in the United States. The initiative is in partnership with Circle, issuer of the popular token pegged to the US dollar, USDC. This initiative is key to the company’s stablecoin pilot program, which aims to modernize the underlying settlement layer of global commerce.

Following this initiative, issuers and acquirers in the United States will be able to settle with Visa using stablecoins, specifically USDC.

Visa’s stablecoin initiative delivers immediate results

The company highlights that the results of this initiative for financial firms are immediate. These manifest as faster fund movements thanks to blockchain technology.

Additionally, it offers barrier-free 24/7 availability with greater operational resilience on weekends and holidays. All this without disrupting the user experience with card usage.

According to the company, this initiative was launched with some clients immediately. These are Cross River Bank and Lead Bank, which already operate settlements with Circle’s stablecoin on the Solana blockchain network. Visa emphasizes that it plans to expand this capability in the U.S. during 2026.

It is important to note that Visa’s expansion into the stablecoin sector includes its participation in the design of Circle’s layer-one blockchain, Arc. This network is currently in testnet phase and will be its (with a validator node) for Visa’s commerce once it goes public.

This move by the company is largely driven by client pressure. According to Rubail Birwadker, Visa’s director of product and partnership strategy, there is strong demand from banks. “Banks are not only asking about stablecoins but are preparing to use them.”

An innovative framework for settlement

This new Visa scheme is distinguished by some innovative features that only blockchain can offer. These include:

• 7-day windows: allowing liquidity to be accelerated far beyond traditional five-day cycles.
• Advanced treasury management: automates operations via API for banks and fintechs.
• Interoperability: the company highlights that its initiative connects traditional payment rails with blockchain infrastructure.

The company adds that this initiative expands global pilots in LAC, Europe, AP, and CEMEA, where the monthly volume exceeded $3.5 billion annualized until November 30. Visa considers itself a pioneer since 2023 in stablecoin settlements. In July 2025, the giant expanded support to more blockchains and stablecoins for greater flexibility in VisaNet.

Use cases for clients

Visa’s consulting and analysis director, Carl Rutstein, highlights some use cases of this initiative. “What Visa is doing in this space is just one more area where our clients have a need.”

He added that use cases include cross-border transactions, especially in countries with volatile currencies, as well as B2B transactions.

According to the company, the goal is to reach hundreds of clients who are now interested in exploring the sector and seeking potential advantages for their businesses.