Third Quarter 2025 Financial Results October 29, 2025 © 2025 Fiserv, Inc. or its affiliates Forward-Looking Statements and Non-GAAP Financial Measures Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements regarding anticipated organic revenue growth, adjusted earnings per share, adjusted earnings per share growth, free cash flow, adjusted operating margin expansion, and other statement ...

🚨 CMC News: A16z Leads $12.9M Round for Pakistan Stablecoin Startup.https://t.co/9r173bPCmW ...

Stable垃圾存钱还是要存下的目测两个月左右存钱收益百分之二十左右？？具体要存款上限是多少了这个畜生全是老鼠仓稳定币赛道目前还有ARC ， TEMOPO， Stable更看好ARC ， TEMOPOARC已经测试网了，重点关注下 https://t.co/9AIMjNvFOW ...

RT Opus (@OpusMoney)Same theory applies to the @Starknet stablecoin ecosystem.$USDC fuels value for TradFi, T-bills, and other centralized assets.But decentralized stables fuel value for $BTC, $ETH, and the broader crypto economy.1️⃣ $CASH (by Opus): A multi-collateral-backed stablecoin powered by ETH, wBTC, and other crypto assets.2️⃣ $USDU (by @uncapfinance): A Liquity fork built for BTC collateral.By holding DeFi-native stables, you’re not just parking liquidity; you’re powering the growth of permissionl ...

🇰🇷 LATEST: South Korea’s BDACS is teaming up with Circle to launch a won-backed stablecoin, KRW1. https://t.co/s6XA13JQYo ...

A Solana-themed event in southern China that was cut short after a local policy inquiry has raised concerns in the country's cryptocurrency community amid new warnings from Beijing about stablecoin risks, despite organisers attributing the disruption to overcapacity. The Solana blockchain's Chinese community said on its official social media account that the Solana Accelerate APAC event in Shenzhen, held on Tuesday afternoon, was "exceptionally popular" and attendance far exceeded expectations. "A few fr ...

🇰🇷 LATEST: South Korea's bank-first stablecoin approach "lacks logic," says Kaia DLT Foundation chair Dr. Sangmin Seo.The Bank of Korea wants only banks to issue won-denominated stablecoins. Could this stifle innovation? https://t.co/dq8YQQTdp7 ...

RT growthepie 🥧📏 (@growthepie_eth)🥧 @Starknet Stablecoin Supply hits $150 Million https://t.co/1ynRBdAdCg ...

Group 1 - Western Union plans to launch a US dollar-backed stablecoin called USDPT on the Solana blockchain, with issuance by Anchorage Digital Bank expected in the first half of 2026 [1] - The primary objective of this initiative is to make cross-border money transfers faster and cheaper, utilizing blockchain technology for near-instant transactions [2] - With a significant existing customer base and a physical presence in over 200 countries, USDPT will leverage Western Union's established financial network, giving it a unique advantage over other stablecoins [3] Group 2 - Anchorage Digital Bank will handle the issuance of USDPT, ensuring compliance with regulations as a federally regulated institution [4] - The launch aligns with the new Genius Act, which provides clearer regulatory guidance around stablecoins, contributing to Western Union's confidence in proceeding with this initiative [5] - Solana was chosen for its capability to manage high transaction volumes at low costs, essential for Western Union's global operations [6] Group 3 - There are still uncertainties regarding the exact release date of USDPT and how customers will access or use the stablecoin through existing Western Union channels [7] - Concerns remain about government and financial regulator responses to the token's launch in various countries, as well as issues related to reserve management and liquidity [8]

Core Insights - Visa is positioned as a "hyperscaler" in the payments industry, facilitating partners to leverage its network, with stablecoin settlements surpassing a $2.5 billion annualized run rate [1][4]. Financial Performance - Visa's fiscal fourth quarter results indicated an 8% increase in U.S. payments volume, with both credit and debit spending also rising by 8% [2][8]. - Value-added services revenue grew by 25% in constant dollars, reaching $3 billion, driven by issuing solutions [4]. - Full year fiscal 2025 commercial payments volume increased by 7% in constant currency to $1.8 billion, with cross-border volumes up 11% and eCommerce up 13% [8]. Market Trends - There is broad-based strength in spending categories, including retail services, travel, and fuel, with both discretionary and nondiscretionary spending increasing from Q3 [3][10]. - The number of Visa tokens issued has risen to over 16 billion, up from 10 billion in May 2024, with a goal of 100% of e-Commerce transactions being tokenized [6]. Technological Advancements - Visa is deploying a next-generation VisaNet with a cloud-ready microservices architecture, over half of which was developed using generative AI [5]. - The company is enhancing its support for four stablecoins, allowing conversions to over two dozen fiat currencies [4]. Consumer Behavior - Contactless payments have gained traction, with 79% of face-to-face transactions being tap-to-pay, an increase of 8% year-over-year; in the U.S., this figure stands at 66% [7]. - Higher spending cardholders are driving growth, indicating consumer resilience in the current economic climate [10]. Future Outlook - Visa anticipates adjusted net revenue growth in the low double digits for the current fiscal year, reflecting positive market conditions [9]. - The company is focusing on "agentic commerce," which could lead to increased transactions as consumers engage with a broader range of merchants [12].