Group 1 - Visa is expanding its operations in mainland China through a partnership with UnionPay International to facilitate cross-border remittances and real-time payments for UPI debit cardholders [3][7] - The Visa Direct-UPI connection is set to be available in the first half of 2026, targeting over 95% of UnionPay International debit cardholders [3][7] - The collaboration aims to support various cross-border payment use cases, including payments for creators, freelancers, contractors, and family remittances [4][7] Group 2 - The speed and availability of funds through this new connection will depend on the receiving institution and region, and may be subject to compliance reviews [3] - UnionPay's MoneyExpress remittance platform operates in 57 countries, including Canada, Japan, Singapore, and the United States [5]