Visa Introduces USDC Settlement in the U.S. and Promotes Onchain Payments
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 17 2025
0mins
Should l Buy V?
Source: NASDAQ.COM
Visa's USDC Settlement Initiative: Visa Inc. is modernizing payment systems by allowing U.S. institutions to settle obligations using USDC, a stablecoin, alongside traditional methods, enhancing speed and liquidity in transactions.
Collaboration with Circle and Blockchain Development: Visa is partnering with Circle to develop Arc, a high-performance Layer 1 blockchain, aimed at supporting Visa's commercial activities and USDC settlements, further integrating blockchain technology into its operations.
Strategic Positioning in Financial Services: This initiative positions Visa as a bridge between traditional finance and blockchain infrastructure, with plans for broader U.S. access by 2026 and the establishment of a Stablecoins Advisory Practice to assist financial institutions.
Stock Performance and Market Outlook: Visa's shares have increased by 8.7% over the past year, contrasting with a decline in the industry, while other financial service stocks like OppFi, FirstCash, and Dave have shown strong earnings growth and upward revisions in estimates.
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Analyst Views on V
Wall Street analysts forecast V stock price to rise
25 Analyst Rating
23 Buy
2 Hold
0 Sell
Strong Buy
Current: 320.510
Low
330.00
Averages
406.59
High
450.00
Current: 320.510
Low
330.00
Averages
406.59
High
450.00
About V
Visa Inc. is a global payments technology company. It facilitates global commerce and money movement across more than 200 countries and territories among a global set of consumers, merchants, financial institutions and government entities through technologies. It operates through the Payment Services segment. It provides transaction processing services (primarily authorization, clearing and settlement) to its financial institution and merchant clients through VisaNet, its proprietary advanced transaction processing network. It offers a range of Visa-branded payment products that its clients, including nearly 14,500 financial institutions, use to develop and offer payment solutions or services, including credit, debit, prepaid and cash access programs for individual, business and government account holders. It also provides value-added services to its clients, including issuing solutions, acceptance solutions, risk and identity solutions, open banking solutions and advisory services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Market Coverage Increase: Currently, users in 18 countries can use these cards to spend stablecoins at over 175 million Visa merchant locations, which is expected to attract more users to engage in digital currency spending and boost Visa's market share in crypto payments.
- Innovative Settlement Method: Visa's stablecoin settlement pilot is testing the feasibility of settling payments through supported blockchain networks, which not only helps increase settlement speed but also enhances payment flexibility, further promoting the integration of traditional finance and cryptocurrencies.
- Infrastructure Support: Bridge, as a leading stablecoin infrastructure platform, provides the technical support for Visa's stablecoin card project, ensuring transaction security and efficiency, thereby enhancing user trust and acceptance of digital payments.
See More
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- Collaboration Expansion: Visa's partnership with Bridge aims to extend stablecoin-linked cards to over 100 countries, significantly enhancing its market reach and expected to bolster Visa's competitiveness in the digital payments sector.
- Stablecoin Settlement Pilot: This initiative allows transactions to be settled using stablecoins on supported blockchain networks, enhancing the efficiency of digital payments and further solidifying Visa's role in the global payments ecosystem.
- Market Performance Pressure: Amid a broader market decline, Visa's stock fell 1.40% in premarket trading to $316.03, indicating company-specific challenges within a struggling tech sector.
- Analyst Ratings: Despite the stock trading below its 20-day and 100-day simple moving averages, analysts maintain a 'Buy' rating with an average price target of $397.40, reflecting confidence in Visa's future growth prospects.
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- On-Chain Settlement Innovation: Through collaboration with Lead Bank, Bridge enables stablecoin card transactions to be settled on-chain within Visa's network, enhancing transaction transparency and speed, thereby strengthening Visa's competitive position in the digital payments landscape.
- Pilot Project Evaluation: The stablecoin settlement pilot between Visa and Lead Bank aims to assess how stablecoins can enhance settlement flexibility, improve operational efficiency, and simplify blockchain interactions for institutions, demonstrating Visa's commitment to adapting to new technologies.
- Market Reaction: Despite the promising outlook of Visa's partnership with Bridge, Visa (V) shares fell 1.2% in premarket trading, reflecting market concerns about traditional payment methods potentially being rendered obsolete by AI and stablecoins, which has impacted investor confidence.
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