Visa: Stablecoins are changing the rules of the credit market
Date: 2025-10-20 Author: Henry Casey Categories: CRYPTO PAYMENTS
In a new report, Visa experts emphasize that stable cryptocurrencies are gradually becoming the basis for tokenized assets and are developing crypto lending capabilities. The use of stablecoins allows for faster credit assessments and the creation of digital identification systems. The report notes that over the past year alone, over $500 billion in loans have been issued through stablecoins, demonstrating the rapid growth of this segment.
It is noted that tokenized traditional assets will soon become common collateral on lending platforms. This will help bridge the gap between traditional financial instruments and digital assets, making lending more flexible and accessible. Furthermore, the expansion of crypto lending programs will give users the opportunity to obtain liquidity and borrow against their digital assets.
The report places particular emphasis on the implementation of blockchain systems for identification and credit scoring. These technologies analyze wallet transaction history, evaluate assets, and interact with other protocols to create a detailed user credit profile. Privacy is maintained using zero-knowledge proof methods.
Earlier in September, Visa announced the development of a new service for cross-border payments in stablecoins, further confirming the company's intention to expand the use of digital currencies in financial services.
The company's experts emphasize that the future of the credit market is closely linked to digital assets, and stablecoins will be an integral part of this transformation. Their use not only simplifies the lending process but also opens up new opportunities for secure and efficient interaction between financial market participants.
Going forward, the combination of tokenized assets and blockchain identification systems has the potential to radically change the approach to risk assessment and credit management, making the financial sector more transparent and technologically advanced.
Therefore, Visa views stablecoins as the foundation of future financial solutions that can combine the advantages of traditional loans with the innovations of the digital economy.
