Visa Direct Taps Stablecoins to Unlock Faster Funding for Businesses

Visa Direct Taps Stablecoins to Unlock Faster Funding for Businesses

Visa is launching a stablecoin prefunding pilot via Visa Direct, offering businesses a new way to provision funds for cross-border payouts using digital stablecoins instead of traditional fiat. This shift promises to unlock liquidity, reduce friction, and modernize how global payments are funded. 

For years, cross-border payments have demanded that companies maintain pre-funded balances in multiple currencies tying up capital and limiting flexibility. Visa’s stablecoin option aims to change that.

How the Pilot Works

• Prefunding via stablecoins: Businesses will pre-fund Visa Direct with stablecoins (rather than depositing fiat) to cover future payouts. Visa treats those as “money in the bank,” making funds immediately available internally.

• Payout in local currency: While businesses fund with stablecoins, recipients will still receive payouts in local currency so end users see no disruption.

• Pilot partners & scope: The pilot is being offered to selected financial institutions, remittance providers, and businesses that meet Visa’s criteria. Broader availability is expected in 2026.

Why This Matters

• Liquidity efficiency: Businesses no longer need to “park” large fiat balances in multiple jurisdictions. Prefunding with stablecoins frees capital.

• Faster payment flows: Settlements can move quicker, minimizing delays tied to traditional fiat rails.

• Treasury modernization: Organizations gain more flexibility in managing global cash flows and payouts.

• Predictability & consistency: Stablecoins offer a consistent settlement medium that reduces exposure to FX volatility.

Chris Newkirk, President of Visa’s Commercial & Money Movement Solutions, remarked that this integration helps set the stage for “money to move instantly across the world.” 

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