payment giant Visais preparing to move its global payment network, which manages 16 trillion dollars of annual payments, to the world of decentralized finance this time. The company published “Stablecoins Beyond Payments: The Onchain Lending OpportunityIn the report titled “”, it created a new language for institutional capital by redefining the DeFi concept as “onchain finance”. Visa’s approach is to securely integrate financial institutions into credit markets in Blockchain after the GENIUS Act.
Onchain Finance May Be the New Address of Corporate Liquidity
In the Visa report, banks and private loan funds blockchain It envisages that it will be able to participate in internal credit protocols as a liquidity provider. The company states that it will provide data, compliance and infrastructure support to ensure the reliability of this process. Corporate participants will be encouraged to turn to Blockchain-based credit systems thanks to Visa’s global reputation.
Visa’s experimental cryptocurrency The report, which represents the transition from projects to corporate infrastructure provider, emphasized that more than $670 billion in loans have been given through stablecoins since 2020. However, the transaction volume reached in the middle of this year has reached record levels. The company is this size stablecoinHe argues that it shows that ‘s are no longer just a trading tool, but a pillar of automated credit markets.
Visa’s Model: Infrastructure Ownership, Not Cryptocurrency
Visa does not plan to issue its own cryptocurrency or directly fund loans. It defines its strategy as a risk-free technology provider. The company aims to integrate programmable loans into the world of traditional finance with APIs, analytical systems and instant reconciliation infrastructure.
Three examples stand out in the report. Firstly morphoprovides secured USDC loans by bridging corporate wallets and exchanges (Coinbase, Ledger, Bitpanda). Secondly creditcooprestructures trade receivables with smart contracts and is in direct cooperation with Visa. Thirdly Huma Finance offers stablecoin-based working capital loans in supply chain financing and provides double-digit annual returns.
Visa’s approach is to own the infrastructure, just like in traditional card payments. Company cryptocurrency It aims to be a data and transaction bridge between traditional finance and DeFi, rather than an issuer.
