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Time to Buy Visa Before Its Stablecoin Strategy Redefines Payments?
ZACKS· 2025-10-09 17:15
Key Takeaways Businesses can pre-fund Visa Direct with stablecoins, improving remittance timing.Shares are up 11.2% YTD, trading at 27.27X forward earnings, reflecting confidence in growth.Strong cash flow and global expansion support innovation and shareholder-friendly returns.Investors once feared that Visa Inc. (V) could stumble as digital currencies and agile fintechs threatened to rewrite the payments playbook. The fear was simple but real: what if stablecoins — digital tokens pegged to fiat currencies ...
Visa Launches Stablecoin Payments to Boost Cross-Border Transactions
Yahoo Finance· 2025-09-30 10:46
Global payments company Visa Inc. has kick-started a process that would allow it to utilize stablecoins for cross-border remittances. It announced the new development on Sept. 30, citing that the prefunding pilot for the initiative will be rolled out soon through Visa Direct. At the core of this pivot is the speed and low transaction fees that come with these digital assets tied to a fiat currency. Fixing Slow and Costly Transactions with Stablecoins Instead of pre-depositing cash in local accounts, Visa ...
Stable integrates PayPal USD to expand financial transactions
Yahoo Finance· 2025-09-23 10:53
Core Insights - Stable, a layer 1 blockchain network, has integrated PayPal USD (PYUSD) to enhance commerce and financial transactions on its platform [1] - The integration aims to provide permissionless use of PYUSD, expanding its distribution, utility, and liquidity [1] Group 1: Integration and Technology - The integration leverages LayerZero's technology for a seamless cross-chain experience, offering ultra-fast processing speeds and reduced fees for near-instant transaction finality [2] - This collaboration is expected to unlock new commerce-related use cases for PYUSD across various blockchain ecosystems [4] Group 2: Strategic Commitment and Investment - PayPal's PYUSD Ecosystem head emphasized the commitment to expanding PYUSD's utility across multiple blockchain ecosystems and driving adoption [3] - PayPal Ventures has invested in Stable, highlighting the potential impact of reliable, dollar-based payments in emerging markets [5] Group 3: Leadership and Funding - Stable has recently closed a $28 million seed funding round, attracting investments from notable crypto investors [6] - The company has strengthened its executive team with new hires, including co-CEO Brian Mehler and CTO Sam Kazemian [5][6]
Stable to Integrate PayPal's Stablecoin to Facilitate Cross-Border Transactions
PYMNTS.com· 2025-09-23 00:16
Core Insights - PayPal Ventures has invested in Stable's latest funding round, enabling the use of PayPal's stablecoin, PayPal USD (PYUSD), on Stable's blockchain network [1][4] - Stablechain is designed for seamless financial transactions through stablecoins, aiming to enhance the utility of PYUSD across multiple blockchain ecosystems [2][4] - The collaboration between Stable and PayPal focuses on improving cross-border transactions and exploring cross-chain compatibility and onramp/offramp capabilities for stablecoins [3][4] Company Developments - Stable raised $28 million in seed funding to develop its blockchain network, hire new employees, and increase the distribution of Tether's USDT stablecoin [4] - The company emphasizes the need for an overhaul in global payments infrastructure to meet consumer demand for fast, reliable, and secure digital payments [6] - Stable's strategy includes working with trusted distribution partners to enhance real-world adoption and support innovative use cases for stablecoins [7] Market Context - The announcement comes amid rising stablecoin adoption following the passage of the GENIUS Act in the United States, indicating a favorable regulatory environment for stablecoin usage [5] - The partnership with PayPal is seen as a significant step towards addressing payment challenges in emerging markets, where reliable dollar-based payments can have a substantial impact [7]
PayPal Ventures Invests in Stable to Expand PYUSD Reach
Yahoo Finance· 2025-09-22 15:19
PayPal Ventures has invested in Stable to bring PayPal USD (PYUSD) to Stablechain, aiming to expand its distribution and make global payments faster and cheaper, according to a blog post Monday. Stable’s blockchain, built for stablecoin transactions with sub-second finality and low fees, is designed to fix the infrastructure issues that have slowed adoption, the company said. The size of the investment was not disclosed. Stablecoins are cryptocurrencies whose value is tied to another asset, such as the U ...
PayPal Ushers in a New Era of Peer-to-Peer Payments, Reimagining How Money Moves to Anyone, Anywhere
Prnewswire· 2025-09-15 13:00
Core Insights - PayPal has launched "PayPal links," a new feature allowing users to send and receive money through a personalized, one-time link that can be shared in various communication platforms [2][5] - The service is initially available to U.S. users, with plans for international expansion to markets like the UK and Italy later this month [2] - The integration of cryptocurrency into PayPal's peer-to-peer (P2P) payment flow is set to enhance user convenience, allowing transactions in Bitcoin, Ethereum, and PayPal USD (PYUSD) [3][9] Company Developments - PayPal's P2P payment volume grew by 10% year-over-year in Q2 2025, indicating strong engagement and user acquisition [5] - Venmo experienced its highest total payment volume growth in three years, reflecting the effectiveness of PayPal's strategies to improve user experience [5] - The introduction of PayPal links is expected to drive new customer acquisition and increase user engagement within the PayPal ecosystem [2][5] Product Features - PayPal links allow users to create a unique, one-time link for payments, which can be shared via text, DM, or email [8] - Each link is private and expires after 10 days if unclaimed, providing users with control over their transactions [8] - Funds are instantly accessible to recipients with a PayPal Balance account once the payment is accepted [8]
Circle Drops 30% in a Month: Should You Still Hold the CRCL Shares?
ZACKS· 2025-09-11 15:46
Core Insights - Circle Internet Group (CRCL) shares have declined 30.3% over the past month, underperforming the Zacks Financial-Miscellaneous Services industry, which fell 1.7%, and the broader Finance sector, which rose 1.3% [1][2] - The underperformance is attributed to increasing competition from Coinbase, PayPal, and Robinhood, with Coinbase recently partnering with Shopify to enable USDC payments [2][10] - Circle's USDC circulation grew 90% year over year, reaching $61.3 billion by the end of Q2 2025, and further increased to $65.2 billion by August 10, 2025 [10][11] Financial Performance - Circle's total revenues and reserve income increased by 53% year over year to $658.1 million, surpassing the Zacks Consensus Estimate by 1.97% [12] - Revenues less distribution costs (RLDC) rose 38% year over year to $251 million, although the RLDC margin contracted by 408 basis points to 38% [12] - The company expects the RLDC margin for 2025 to be between 36-38% [12] Product and Platform Expansion - Circle launched the Circle Payments Network in May, aimed at financial institutions for stablecoin payments, with over 100 institutions in the pipeline [13] - The Circle Gateway, introduced in July, facilitates cross-chain USDC usage and is supported by eight new blockchain partners [14] - Partnerships with major firms like Binance, Fireblocks, and Finastra enhance Circle's capabilities in cross-border payments and stablecoin integration [15][16] Market Position and Outlook - The improving regulatory environment, including the passage of the GENIUS Act, is favorable for stablecoins like USDC, promoting enterprise adoption [11] - The Zacks Consensus Estimate for Circle's earnings remains unchanged at 19 cents per share for Q3 2025, with revenues estimated at $668.7 million [18] - For 2025, the earnings estimate is $1.10 per share, with revenues projected at $2.58 billion [19] Investment Considerations - The current valuation of CRCL shares is considered stretched, and competition poses risks in the near term [21] - Circle's investments in platform development and partnerships are expected to increase operating expenses, projected between $475 million and $490 million for 2025, indicating a growth rate of 20-24% [21] - The company holds a Zacks Rank 3 (Hold), suggesting that investors should wait for a more favorable entry point [22]
Visa's Future in the Stablecoin Era: Friend, Foe, or Frenemy?
ZACKS· 2025-09-01 16:40
Core Insights - Visa Inc. is facing both challenges and opportunities from the rise of stablecoins, which are becoming central to the evolving payments landscape [1][5] - The company is proactively engaging with fintech partners to enhance its capabilities in stablecoin transactions, ensuring it remains relevant in the digital payments space [2][4] - Visa's established advantages in fraud prevention, compliance, and global interoperability provide a competitive edge over stablecoin-native networks [3][8] Visa's Strategic Initiatives - Visa has expanded its support for multiple stablecoins, including USDC, PYUSD, USDG, and EURC, across four blockchains: Ethereum, Solana, Stellar, and Avalanche [2][8] - The company aims to integrate stablecoins into its existing payment infrastructure without compromising its traditional card-based revenue model [5] Competitive Landscape - Competitors like Mastercard and PayPal are also advancing in the stablecoin space, with Mastercard testing stablecoin transactions and PayPal launching its own stablecoin, PYUSD [4] - The rapid development of stablecoin networks presents a new layer in the payments ecosystem rather than a direct existential threat to Visa [5] Financial Performance - Visa's shares have increased by 11.3% year to date, outperforming the broader industry and the S&P 500 Index [6][8] - The Zacks Consensus Estimate predicts a 13.7% year-over-year growth in Visa's fiscal 2025 earnings, with continued growth expected in the following year [11][12] Valuation Metrics - Visa's forward price-to-earnings ratio stands at 27.64, higher than the industry average of 22.28, indicating a premium valuation [9][8] - The company holds a Value Score of D, suggesting potential concerns regarding its valuation relative to peers [9]
X @BSCN
BSCN· 2025-07-28 23:20
Cryptocurrency Payment Adoption - PayPal enables U_S_ merchants to accept cryptocurrency payments via "Pay with Crypto" service [1] - The service supports over 100 cryptocurrencies and connects with wallets like Coinbase and MetaMask [1] - "Pay with Crypto" is set to cover 90% of the $3+ trillion crypto market cap [3] Transaction Efficiency & Cost Reduction - Aims to simplify cross-border commerce by reducing transaction fees by up to 90% [2] - Provides near-instant settlement for transactions [2] Revenue & Market Expansion - Expands merchant revenue opportunities by tapping into a global market of over 650 million crypto users [2] - Enables seamless international transactions for businesses of all sizes [3] Stablecoin & Reward Program - Converts crypto payments instantly into stablecoins or fiat to avoid volatility [2] - PayPal USD (PYUSD) offers a 4% reward rate when held on the platform [2] Platform & Partnership Expansion - Supports wallets such as OKX, Binance, Kraken, Phantom, and Exodus [4] - PayPal launched PayPal World, uniting five major digital wallets on a single platform [5]
X @BSCN
BSCN· 2025-07-28 15:15
Cryptocurrency Payment Initiative - PayPal enables U S merchants to accept cryptocurrency payments via "Pay with Crypto" service, supporting over 100 cryptocurrencies and connecting with wallets like Coinbase and MetaMask [1] - The service aims to simplify cross-border commerce by reducing transaction fees by up to 90% [2] - "Pay with Crypto" is set to cover 90% of the $3+ trillion crypto market cap [3] Service Features - The feature provides near-instant settlement and expands merchant revenue opportunities by tapping into a global market of over 650 million crypto users [2] - The service converts crypto payments instantly into stablecoins or fiat, helping merchants avoid volatility [2] - PayPal USD (PYUSD) offers a 4% reward rate when held on the platform [2] Strategic Impact - PayPal's initiative follows their launch of PayPal World, uniting five major digital wallets on a single platform [5] - The solution supports wallets such as OKX, Binance, Kraken, Phantom, and Exodus, expanding its reach and usability [4] - PayPal aims to remove barriers and help every business achieve their goals in global growth [4]