Visa Stablecoin Payments Move Forward With BVNK Pilot

Ben Graham · 18 horas atrás

Visa has launched a new pilot with UK-based payments firm BVNK, allowing businesses to send stablecoin payouts through Visa Direct. The move comes as stablecoins continue to process trillions of dollars in transactions each year, showing how digital dollars are becoming part of mainstream payment systems rather than niche crypto tools.

Visa already processes more than $4.5 billion in annualized stablecoin settlement volume, pointing to growing demand for faster settlement.

(Source: visaonchainanalytics)

Under the program, selected enterprise clients can pre-fund payouts using stablecoins and send U.S. dollar–pegged tokens directly to recipients’ crypto wallets. Stablecoins function as digital representations of the U.S. dollar, enabling money to move online at any time. BVNK provides the infrastructure that connects wallets, blockchains, and compliance checks.

The payouts run on Visa Direct, Visa’s real-time transfer network. Unlike traditional bank rails, Visa Direct operates continuously, including weekends and holidays.

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Why Visa Is Betting on Stablecoin Infrastructure for Payments

Cross-border payments remain slow and costly due to banking hours, intermediaries, and layered fees. Stablecoins reduce these frictions by moving value on public blockchains such as Ethereum and Solana. For freelancers, exporters, and families sending money internationally, this means quicker access and fewer operational hurdles.

Stablecoins now hold a combined market value close to $280 billion, with yearly transaction volumes estimated between $3 and $4 trillion. At this scale, payment networks like Visa must integrate stablecoins to remain competitive as global demand shifts toward faster digital settlement.

HOLY SHIT!!!

BVNK JUST BROUGHT STABLECOIN PAYOUTS TO THE $1.7T VISA DIRECT NETWORK!!!

INSTITUTIONS CAN NOW SEND CRYPTO STRAIGHT TO WALLETS, FAST AND BORDERLESS!!!

LET’S GOOO pic.twitter.com/wSXJMvu01t

— FenoXBT (@FenoXBT) January 14, 2026

This partnership builds on Visa’s earlier tests using USDC on Solana and Ethereum, as well as its 2025 investment in BVNK. Citi Ventures has backed similar infrastructure, reinforcing the view that stablecoins are becoming a core part of payment architecture rather than an experimental add-on.

We are watching a shift from cards and wires to tokenized dollars. Other firms already follow this path. Banks back stablecoin rails, as seen in banks and stablecoin infrastructure deals. Consumer apps report stablecoin payments growth that looks more like fintech adoption than crypto speculation.

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There is Always a “But”: Rules Still Shape How Stablecoins Are Used

Stablecoins depend on issuers holding real reserves and following regulatory requirements. Lawmakers in the U.S. and Europe continue to debate frameworks such as the CLARITY Act and MiCA, which define who can issue stablecoins and what incentives platforms may offer.

BVNK says these payouts only work with compliant wallets, aligning with current regulatory expectations. That matters because regulators warn about stablecoin banking risks if growth runs ahead of oversight.

For users, the rule stays simple: treat stablecoins like digital cash, not savings accounts.

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