Visa, one of the world’s largest payment networks, is highlighting the slow adoption of stablecoins — cryptocurrencies pegged to the U.S. dollar — and is urging for a clearer regulatory framework in the U.S. While Visa sees this technology as a promising future tool, the transaction volume remains relatively small.


🟦 Visa Bets on Stablecoins, but Progress Is Slow

In the second fiscal quarter of 2025, Visa reported revenue of $10.17 billion, a 14% increase year-over-year. However, settlement volume involving stablecoins totaled only $200 million. CEO Ryan McInerney commented, “It’s a milestone, but still just a drop in the bucket compared to our overall volume.”

McInerney emphasized that without clear rules, stablecoin adoption won’t grow. He noted that only 10–20% of current stablecoin usage is related to actual payments — the rest occurs on crypto exchanges. That’s why Visa is investing in infrastructure, including a stake in U.K.-based firm BVNK, and is partnering with Bridge (a Stripe unit) to offer stablecoin services in Latin America.


🟦 Technology of the Future, but Regulation Is Key

Visa is currently testing the use of stablecoins for real-time cross-border payments via its Visa Direct platform. The company is also developing programmable finance tools through its Visa Tokenized Asset Platform, aiming to help banks issue and utilize stablecoins for innovative financial products.

This development comes as the U.S. takes a major step in crypto regulation — President Trump recently signed the GENIUS Act, providing the first comprehensive regulatory framework for the crypto sector.

However, McInerney stressed that global operators like Visa must also monitor international developments. “We’re hopeful for clearer, more pragmatic regulations not just in the U.S., but around the world,” he stated.

Experts believe that the use of stablecoins could expand significantly within the next year — with more than 50% of transactions expected to be for payments or salaries rather than just trading.

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