Visa has launched a pilot programme that allows businesses to use stablecoins instead of depositing cash in local accounts when making international payments. This approach is intended to reduce friction, free up capital, and accelerate cross-border money flows. The company plans to extend the trial in the coming year.
From cash-pre-funding to stablecoin liquidity
Traditionally, firms executing global payments must pre-deposit local currency in destination markets to cover disburseals. Visa’s new method lets financial institutions, remittance companies and banks fund local operations using stablecoins. By reducing the need for locked cash in multiple jurisdictions, the model can make transactions faster and more capital efficient. Visa is testing the infrastructure with select partners before scaling usage more broadly.
The push coincides with new regulatory groundwork in the United States. The “Genius Act,” recently enacted, offers clearer rules for stablecoin issuers. According to Visa’s product lead, this regulatory certainty has encouraged greater institutional adoption, enabling the company to integrate stablecoin pathways into its existing payment rails without overhauling legacy systems.
A bridge, not a replacement
Visa views stablecoins as a complement rather than a substitute for existing payment networks. The firm emphasises that its role is to embed stablecoin functionality within its infrastructure, rather than supplanting traditional methods. With stablecoins gaining legitimacy, Visa hopes it can evolve its services to remain central in the evolving financial ecosystem.
If successful, the pilot could reshape how money moves internationally, shifting stablecoins from crypto novelty to everyday settlement tools. For now, the controlled rollout and emphasis on integration reflect a pragmatic path forward, rather than a disruptive leap.
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