Visa has already begun testing the technology. The idea is that companies, including banks and money transfer services, will be able to pre-fund Visa Direct with stablecoins instead of fiat currency.
These funds will be recorded as available for payouts, enabling money transfers abroad without the need to lock up large amounts in advance.
According to reports, integrating stablecoins into Visa Direct will open the possibility of instant and programmable payouts to billions of recipients worldwide.
The project is designed to reduce settlement times from several days to just minutes, providing businesses with faster access to liquidity. At the same time, recipients will be able to receive payments in their local currency.
The company clarified that it is working with a limited group of partners, and a limited-format launch is expected by April 2026. The first assets being tested are Circle’s USDC and EURC. The list may expand in the future.
Company Plans
When asked about issuing its own stablecoin, the company replied that it rules out such an option for now. Instead, it is focused on scaling the use of existing solutions through cards, settlements, and banking integration.
The pilot is being launched against the backdrop of the adoption of the GENIUS Act in the US, which for the first time established federal rules for stablecoins. According to Visa’s estimates, the market could exceed $1 trillion, with the main use cases tied to protecting savings in countries with unstable currencies and lowering the cost of cross-border transfers.
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