Visa outlines stablecoin strategy during Q3 earnings call

cointelegraphPublished on 2026-07-28Last updated on 2026-07-28

Abstract

Visa's fiscal third-quarter revenue grew 14% year-over-year to $11.6 billion, supported by strong growth in payments volume, cross-border transactions, and processed transactions. During its earnings call, the company detailed its expanding stablecoin strategy, emphasizing investments across the entire stablecoin ecosystem, including blockchain infrastructure, issuance, wallets, and applications. Visa highlighted progress in issuance and application layers, and announced its participation in the OpenStandard consortium, which plans to issue the OpenUSD stablecoin for global money movement. The Visa stablecoin platform is designed to allow partners to settle with Visa using stablecoins, provide onchain wallet services, and facilitate conversions between fiat currency and stablecoins, starting with OpenUSD. The platform will also integrate with Pismo to support financial institutions' tokenized deposits, with plans to add more infrastructure providers. Visa further described stablecoins and artificial intelligence as complementary long-term growth technologies, suggesting that while stablecoins reshape the backend of commerce, AI is transforming the frontend.

Visa reported fiscal third-quarter revenue of $11.6 billion, up 14% from a year earlier, driven by double-digit growth in payments volume, cross-border volume and processed transactions.

During the company’s earnings call, Visa outlined its broader stablecoin strategy, saying it has been investing across multiple layers of the stablecoin ecosystem. The company said:

We are active in investing in each layer of the stablecoin stack, from blockchain, to issuance, wallets, infrastructure and orchestration, and applications. This quarter, we’ve made progress in both the issuance and application layers.

Visa added that it had joined the OpenStandard consortium, which plans to issue the OpenUSD stablecoin for global money movement. The company said the Visa stablecoin platform is designed to enable partners to settle with Visa in stablecoins, provide onchain wallet-as-a-service infrastructure and move money between fiat currencies and stablecoins, beginning with OpenUSD.

The platform will also integrate with Pismo to support tokenized deposits for financial institutions, with plans to add third-party tokenized deposit infrastructure providers in the future.

The company also pointed to artificial intelligence as another long-term growth area, describing stablecoins and AI as complementary technologies.

If stablecoins are reshaping the backend of commerce, we see AI is transforming the frontend. We believe agentic commerce will expand our addressable market and drive future growth for Visa.

Cross-border volume increased 13% year over year, or 12% excluding intra-Europe, while processed transactions rose 10%, according to the company’s earnings release.

Magazine: The real reason DeFi projects that survived 2022 crash are shutting down now

Related Questions

QWhat was Visa's fiscal third-quarter revenue and how does it compare to the previous year?

AVisa reported fiscal third-quarter revenue of $11.6 billion, representing a 14% increase from a year earlier.

QIn which layers of the stablecoin ecosystem has Visa been investing, according to the earnings call?

AVisa has been investing across multiple layers of the stablecoin stack, including blockchain, issuance, wallets, infrastructure and orchestration, and applications.

QWhat is the purpose of the Visa stablecoin platform as mentioned in the article?

AThe Visa stablecoin platform is designed to enable partners to settle with Visa in stablecoins, provide onchain wallet-as-a-service infrastructure, and move money between fiat currencies and stablecoins, starting with OpenUSD.

QHow does Visa view the relationship between stablecoins and artificial intelligence (AI)?

AVisa sees stablecoins and AI as complementary technologies, stating that while stablecoins are reshaping the backend of commerce, AI is transforming the frontend.

QWhat was the year-over-year growth in Visa's cross-border volume and processed transactions for the quarter?

ACross-border volume increased 13% year over year (12% excluding intra-Europe), and processed transactions rose 10%.

Related Reads

Unexpected Event in XRP: Grayscale CEO to Sell XRP Purchased Before Listing!

Grayscale CEO Peter Mintzberg has filed with the SEC to sell 2,611 shares of the Grayscale XRP Trust (GXRP) for a total value of $53,394.95. He initially acquired these shares in a private purchase from the trust on October 3, 2024, well before GXRP became a publicly traded XRP-based ETF. The sale will be executed via Cantor Fitzgerald on NYSE Arca. Mintzberg follows other Grayscale executives, including founder Barry Silbert and Chief Legal Officer Craig Salm, who also sold portions of their GXRP holdings prior to the trust's public listing. Market analysts suggest this insider selling is aimed at reducing exposure to XRP due to concerns over potential Federal Reserve rate hikes and delays in the Clarity Act legislation. The GXRP trust was launched via a private placement in September 2024, allowing insiders early access to shares.

cryptonews.ru6m ago

Unexpected Event in XRP: Grayscale CEO to Sell XRP Purchased Before Listing!

cryptonews.ru6m ago

A Brief History of the Lithography Machine: How a Beam of Light Walked Sixty-Nine Years

A Brief History of Lithography: 69 Years of Light In July 2026, reports of a Chinese state-backed company producing five immersion DUV lithography machines sent shockwaves through Wall Street, wiping roughly $44 billion from ASML's market cap in a single day. This event signaled a crack in the long-held assumption of Western monopoly over advanced chipmaking equipment. The journey began in 1957 when Jay Lathrop coined the term "photolithography." Early contact aligners (1960s) gave way to PerkinElmer's revolutionary projection aligners in 1973, boosting yields dramatically. GCA's step-and-repeat system (1978) established the modern stepper blueprint. However, within a decade, Japanese firms like Nikon and Canon, supported by a strong domestic market, captured nearly 90% of the global market from American pioneers, who ultimately exited the business. ASML, founded in a leaky shed in 1984, rose to dominance through key strategic moves: the TWINSCAN dual-stage platform (2001) and the acquisition of SVG, gaining access to Intel. A pivotal moment came in the early 2000s with the industry at a 193nm wavelength impasse. While most invested in the costly 157nm path, TSMC's Burn Lin proposed immersion lithography—using water between the lens and wafer. ASML bet on this simpler idea and, with Zeiss, delivered the first commercial immersion tool in 2004, effectively ending the 157nm roadmap and leaving competitors behind. The subsequent push for Extreme Ultraviolet (EUV) lithography was an even greater marathon. Deemed the least promising option in 1997, EUV's development, led by ASML, required vacuum chambers, reflective optics, and a complex tin-droplet laser plasma source. Critical to its eventual success (first high-volume manufacturing in 2018) was the 2012 "Customer Co-Investment Program," where Intel, TSMC, and Samsung provided upfront funding and equity, sharing the immense risk and cost. Today, ASML holds a near-total monopoly in EUV and immersion DUV. The core lesson of this 69-year history is not merely one of technological invention but of sustained partnership. Successive leaders—PerkinElmer, GCA, Nikon—were not ultimately defeated by superior technology but by losing the vital connection to customers willing to tolerate years of iteration, fund long-term R&D, and integrate early, imperfect tools into their production lines. The "light" that completed the journey was always carried by those patient, invested partners.

marsbit13m ago

A Brief History of the Lithography Machine: How a Beam of Light Walked Sixty-Nine Years

marsbit13m ago

European financial institutions launch RL1 cooperative blockchain network

Ten major European financial institutions have launched the Regulated Layer One (RL1) blockchain cooperative, established as a European Cooperative Society in Luxembourg. This jointly owned, private permissioned network is designed for regulated financial markets and tokenized assets like digital money, bonds, and collateral. Founding members include ABN AMRO, Crédit Mutuel, DZ BANK, LBBW, Natixis CIB, and others, each with equal governance rights. The network is based on infrastructure from German fintech SWIAT, which transferred ownership to the cooperative. The platform has already processed over 50 transactions worth more than €700 million in production. RL1 aims to reduce fragmentation by providing a shared ledger for institutional use and settlement, with former SWIAT managing director Henning Vollbehr at the helm. Discussions with additional institutions, including NatWest, are underway.

cointelegraph26m ago

European financial institutions launch RL1 cooperative blockchain network

cointelegraph26m ago

Cost to insure AI debt reaches record high amid Asian semiconductor tumble

The cost to insure AI-related corporate debt has hit a record high, coinciding with a historic semiconductor stock crash in Asia. The KOSPI index plummeted nearly 17% over two days, erasing $620 billion in market value, partly driven by leveraged retail bets. This sell-off, triggered by SK Hynix's earnings miss despite a record profit, highlights extreme market sensitivity. In credit markets, 5-year default swaps for major US tech hyperscalers surged, implying a ~12% default probability. Oracle is seen as particularly risky due to heavy exposure to cash-strapped OpenAI. The sector's massive capital expenditure, now forecast near $730 billion for 2026, is straining cash flows, with even Alphabet reporting its first-ever quarterly cash burn.

cointelegraph26m ago

Cost to insure AI debt reaches record high amid Asian semiconductor tumble

cointelegraph26m ago

CryptoQuant Analyst Claims 'Frightening Scenario and Simultaneously Promising Signal for Bitcoin' Reveals Ultimate Bottom Point! Here Are the Details

Bitcoin, the leading cryptocurrency, entered a bear market after hitting a historic high of $126,000 in October 2025 and has since fallen over 50%. As BTC recently dropped to around $57,000, opinions diverge on whether the bottom has been reached, with some expecting a drop closer to $50,000. According to a pseudonymous CryptoQuant analyst, the Bitcoin bear market may be nearing its end. The analyst notes that as selling pressure following the all-time high weakens, price corrections are becoming shorter and recovery periods more substantial. The July decline was only slightly below lows seen in early February, and BTC has remained relatively stable around $60,000 since, indicating diminished seller influence. Positive technical signals are also cited, with MACD and RSI showing bullish signals, positive divergences, and oversold conditions, collectively suggesting a potential bottom formation for BTC. However, the analyst does not rule out a final sell-off in the short term. They suggest the ultimate market bottom could be around $51,336, corresponding to the 61.8% Fibonacci retracement level. The $50,000 area is highlighted as a crucial historical support zone, aligning with the average investor cost basis and the 200-week moving average—conditions similar to bottoms in previous bear markets. *This is not investment advice.

cryptonews.ru1h ago

CryptoQuant Analyst Claims 'Frightening Scenario and Simultaneously Promising Signal for Bitcoin' Reveals Ultimate Bottom Point! Here Are the Details

cryptonews.ru1h ago

Trading

Spot
活动图片