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 ...

Key Takeaways Visa's pilot in Visa Direct allows businesses to prefund cross-border payouts with approved stablecoins.The move improves liquidity management, reduces capital lock-up and accelerates access to funds.V shares are up 10.7% YTD, trade at a forward P/E of 27.2X and are expected to grow EPS by 13.7% in FY2025.Visa Inc. (V) has recently unveiled a pilot program through its Visa Direct platform that enables businesses to use stablecoins as a new funding option for cross-border payouts. The launch co ...

Group 1 - The core focus of the article is on the increasing interest of payment companies in stablecoin applications, particularly in the cross-border payment sector following the passage of the GENIUS Act [1][4] Group 2 - Visa is opening its real-time cross-border payment network, Visa Direct, for stablecoin pre-funding trials, allowing businesses to transfer funds in real-time across countries, even outside banking hours [4] - Mark Nelson, head of Visa's commercial and cash flow solutions, stated that the initiative aims to demonstrate how stablecoins and their technology can modernize existing payment infrastructures without altering Visa's payment network [4] - Richard Crone, CEO of Crone Consulting, emphasized that Visa's strategy positions Visa Direct as a "Swiss-style hub" for processing third-party tokens within existing regulatory frameworks [4] - Visa will not issue its own stablecoin or launch any co-branded stablecoins, confirming support only for third-party tokens, including PayPal's PYUSD and other approved issuers [4] - Visa Direct processed 10 billion transactions in 2024, covering 11 billion endpoints, including 3.5 billion bank accounts, 4 billion cards, and 3.5 billion digital wallets [4]

Well, Visa has been a lagard lat recently, underperforming both the Dow and the S&P 500 as well as peers Mastercard and American Express over the past three months, but one analyst sees a former headwind becoming a potential tailwind after Visa launched a stable coin pilot program. So, joining us now is the man behind the call, Dan Dev, Mizuo, senior fintech analyst right here on set. It's great to have you back.Okay, so how does this headwind become a tailwind for Visa. Yeah, actually what's interesting, i ...

Core Viewpoint - Visa has recently underperformed compared to the Dow, S&P 500, and peers like Mastercard and American Express, but the launch of a stablecoin pilot program may turn previous headwinds into tailwinds for the company [1][2]. Visa's Stablecoin Initiative - The narrative around Visa's stablecoin initiative has shifted from negative to positive, as the company is now piloting stablecoin transactions via Visa Direct, which processes over $1 trillion and is growing at a 20% CAGR [3][4]. - Visa Direct accounts for approximately 20-25% of Visa's debit volumes, indicating its significant role in the company's operations [4]. Market Dynamics and Competition - Visa and Mastercard are positioned as essential intermediaries in the stablecoin market, allowing users to interchangeably switch between various stablecoins, including USDC and Tether [7][8]. - The competitive landscape suggests that not all stablecoin projects will succeed, with potential losers in the market, particularly Circle, which is facing challenges due to stagnant USDC circulation and declining revenue from treasury investments [10]. Impact on Traditional Banking - The rise of stablecoins is seen as a disruption to traditional banks, as cross-border transactions are increasingly moving away from bank networks [11]. - While banks may not be losing financially, they are losing their status as the pillars of global finance due to the growing influence of stablecoins [13].

SINGAPORE — Arf, a Swiss provider of short-term liquidity for cross-border payments, is set to join Circle Payments Network (CPN) in a move that will provide eligible users access to on-demand credit, effectively eliminating the need for prefunding, or tying up a large fiat balance before settlement occurs. The integration, powered by Huma Finance's PayFi network, aims to make cross-border stablecoin settlements faster and more capital-efficient, said Irfan Ganchi, senior vice president of product managem ...

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 ...

Visa announced on Tuesday that it has begun testing a new system, which enables businesses to fund cross-border payments using stablecoins instead of pre-depositing cash into local accounts. The pilot, enabled through real-time payments platform Visa Direct, reflects how digital tokens are gaining traction among major financial players. “Cross-border payments have been stuck in outdated systems for far too long,” Chris Newkirk, Visa’s president for commercial & money movement solutions, said in a stateme ...

（原标题：Visa(V.US)测试预充值稳定币方案 助力提升跨境支付效率） 跨境支付是稳定币最普遍的应用场景之一。Visa自2021年起就开始将稳定币整合入其网络。稳定币是与 美元等法定货币挂钩的数字资产，通常由现金和短期美国国债储备支持。这些代币被视为传统支付系统 的替代方案，甚至被认为是取代Visa和万事达(MA.US)等卡组织(其处理费率常引发商户不满)的潜在工 具。如今这两大支付网络都迅速接纳该技术，将代币定位为现有系统的补充而非威胁。截至当前，Visa 网络已处理超过2.25亿美元的稳定币交易量。尽管持续增长，但在其2024财年16万亿美元的总支付现金 流量中占比仍微。 智通财经APP获悉，Visa(V.US)正在测试一项试点项目，为金融机构、银行和汇款服务商提供使用预充 值稳定币进行跨境支付的选项，旨在加快支付速度并提升灵活性，同时避免用户资金被长期占用。该支 付网络的实时处理平台Visa Direct将使用Circle(CRCL.US)发行的美元稳定币USC和欧元稳定币EURC进 行试点。 Visa Direct的其他应用场景包括向全球零工经济工作者支付报酬，以及为加密交易所客户提供即时提现 选 ...

Key Takeaways Mastercard is bringing near-real-time cross-border payments to 22 new markets.Cross-border payments are projected to reach $250 trillion by 2027.MA's Cross-border volumes grew 15% YoY in Q2, showing momentum in international transactions.Mastercard Incorporated (MA) has recently expanded its partnership with Corpay, a payments software and services provider, to bring its near real-time cross-border payments into 22 additional markets in Asia, Africa, Europe, Latin America and the Middle East. ...