Visa Expands Stablecoin Integration and Implements AI to Optimize Payments
Date: 2025-10-29 Author: Gabriel Deangelo Categories: BUSINESS
Visa, the payment corporation, announced the introduction of four new stablecoins, each operating on a separate blockchain. This decision is part of the company's strategy to expand user experience and strengthen its position in the digital payments space.
Visa will now be able to process and convert cryptocurrency assets into more than 25 fiat currencies, significantly simplifying international transfers and settlements. According to the company, since 2020, the total volume of transactions involving digital assets and stablecoins has exceeded $140 billion, of which $100 billion was for cryptocurrency purchases and $35 billion for payments for goods and services. Over the past year alone, the volume of transactions on cards linked to stablecoins has quadrupled, with the total value of settlements exceeding $2.5 billion.
Visa currently partners with more than 130 stablecoin-related programs in 40 countries. Additionally, a pilot project has been launched through its Visa Direct service, allowing banks and financial institutions to fund customer accounts using prepaid stablecoins.
The company's financial performance also demonstrates strong growth. For the 2025 fiscal year, net revenue increased by 11%, and earnings per share by 14%. In the fourth quarter, Visa's revenue reached $10.7 billion, representing a 12% increase. Total payment volume for the year reached $14 trillion, and the number of processed transactions increased to 258 billion—a 10% increase from the previous year.
CEO Ryan McInerney emphasized that Visa is becoming a hyperscaler, offering other companies the opportunity to build their own payment solutions based on its infrastructure.
The company is actively implementing artificial intelligence. More than half of the new code for the VisaNet processing platform was created using neural networks. This has increased development speed, security, and system stability. Visa Scam Disruption technology has blocked over 25,000 fraudulent accounts, preventing losses of over $1 billion.
Another innovation is the Visa Trusted Agent protocol, which ensures secure transactions between users and AI agents, eliminating malicious intermediaries.
Visa is also actively developing tokenization. The number of payment tokens issued has exceeded 16 billion, and the company's goal is to tokenize all online transactions. New products include Visa Flex, which allows you to connect multiple funding sources, and Visa Accept, which allows small businesses to accept payments using a smartphone.
Visa representatives noted that the combination of innovation, AI, and openness to partnerships strengthens the company's position as a global leader in digital payments.
