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Visa revealed a revolutionary stablecoin prefunding pilot scheme through its Visa Direct platform on September 30, 2025, at SIBOS 2025, enabling companies to load accounts. Cross-border payments utilizing Circle's USDC and EURC stablecoins. Treating stablecoins as trustworthy cash equivalents, this invention allows for easy international payments without the necessity of conventional fiat prefunding. By reducing settlement times from days to minutes, while recipients still get money in local currencies, the move is set to transform international payments.
The program addresses cross-border transactions' long-standing inefficiencies, including capital lockup, liquidity restrictions, and volatility dangers. Enhanced speed, cost savings, and flexibility help companies to free up money for more efficient use rather than inactive reserves throughout several currencies. Building on the U.S. GENIUS Act of 2025, which grants regulatory clarity for stablecoin issuers by requiring 1:1 reserves in low-risk assets like Treasuries and insured deposits guarantee stablecoins aren't categorised as securities or commodities by exempting issuers from conventional bank capital requirements. Highlighting how this law eliminated institutional reluctance and promoted legitimacy in digital asset adoption, Visa's Mark Nelsen
Visa is introducing the pilot to approved partners, having already processed over $225 million in stablecoin volume—though a tiny piece of its $16 trillion yearly payments. Similar to remittance companies and banks, with more widespread accessibility set for April 2026. Leaders like Chris Newkirk see this as a portal to programmable, rapid worldwide. By connecting the efficiency of blockchain with Visa's established network, the project confirms the company's part in integrating virtual assets with conventional finance.
