Core Insights - Visa has partnered with Circle Asia Technologies and Pismo to enhance credit access for clients in Vietnam through an AI-enabled PayLater card [1][2] - The initiative aims to address Vietnam's low credit card penetration by providing instant credit approval and flexible payment options [2] - Pismo's technology integration with Visa is set to modernize banking and payment capabilities, allowing financial institutions and fintechs to scale effectively [3] Group 1: Strategic Collaboration - Visa's collaboration with Circle Asia Technologies focuses on launching an AI-enabled PayLater card to improve user experience in financial services [1] - The card will facilitate credit building and global payments without requiring a traditional bank account [2] Group 2: Technology and Infrastructure - Pismo, acquired by Visa, offers a resilient API and microservices platform that supports multiple card networks [3] - The integration of Pismo's technology with Visa's infrastructure aims to enhance core banking and payment capabilities through cloud-native APIs [3] Group 3: Stablecoin Payouts - Visa has initiated a pilot program allowing businesses to send payouts directly to recipients' stablecoin wallets, enhancing payout efficiency [4] - This service provides digital creators and freelancers with faster access to funds, especially in markets with currency volatility [5] - The launch of stablecoin payouts is intended to enable universal access to money quickly, improving financial inclusivity [5]