Visa tests using stablecoin for cross-border payments via Visa Direct

Visa is testing the integration of stablecoins into the Visa Direct platform, allowing businesses to load stablecoins instead of fiat to facilitate faster international payments.

Circle's pilot program using USDC and EURC helps reduce payment times from several days to just a few minutes, while lowering costs and increasing liquidity. Recipients can still receive money in their local currency.

Visa stated that this is a step towards integrating stablecoins into the global payment flow, ushering in an era of instant, global, and programmable transactions. The model is expected to be available with limits starting from April 2026 and may expand to include more stablecoins in the future.

This move comes after the US passed the GENIUS Act, the first federal law on stablecoins, reinforcing the belief that stablecoins will become a trillion-dollar market in global finance.

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