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Visa reached a $20 billion annualized stablecoin settlement run rate, representing a fifteen-fold increase year-over-year. To support this growth, Credit Co-Op established a stablecoin-denominated credit facility that has financed over $2.5 billion in cumulative transaction volume.
Max Levchin reveals that Visa and MasterCard enforce a strict 2.5-second window for transaction approvals. Apple Pay and Google Pay bypass this constraint by using secure hardware enclaves to pre-authenticate credentials offline.
The Lightning Network whitepaper states that scaling to global Visa transaction levels requires 130-megabyte base blocks. Small blocks on BTC artificially limit scaling, driving users toward custodial banking systems.
Mike Silagadze designed EtherFi Cash to use non-custodial ETH staking yields to automatically service credit card balances. This avoids token liquidation, letting users spend fiat via Visa rails while retaining their crypto upside.
Chris Dixon highlights that stablecoin transaction volumes now rival the Visa network, with trillions of dollars transacted, indicating significant growth and mainstream adoption.
Aven offers a Bitcoin Visa card that provides a line of credit up to $1 million, backed by Bitcoin custodied by BitGo, featuring fixed rates starting at 7.99% APR and 2% unlimited cash back.
Current decentralized financial networks are "significantly off" the transaction loads handled by traditional systems like Visa, which processes millions of transactions per hour during peak times. Sidechain technologies and blockchain improvements will be crucial for scaling to compete.
David Sacks argues defining the market as Visa/MasterCard duopoly makes a Stripe-Block-PayPal merger pro-competitive, not anti-competitive.
Visa unveiled a Stablecoin Platform for banks and fintechs to issue, hold, and transfer stablecoins like OpenUSD, USDC, and USDG within its network.
Adjusted stablecoin transaction volume hit a record $1.8 trillion in June 2026, up 63% from May, with Circle's USDC accounting for 67% ($1.21 trillion) of the total, according to Visa data.
OpenUSD (OUSD) was announced as a new stablecoin backed by a consortium of major financial companies including Visa, MasterCard, Amex, Discover, Coinbase, and Google. This initiative appears to be a direct response to the market presence of Tether and USDC.
Dixon outlines a new Open USD stablecoin standard backed by Visa, Mastercard, Stripe, BlackRock, and Coinbase, designed to share Treasury reserve earnings with businesses but exclude Tether and Circle.
Ben Horowitz cites an example where 11 Labs' AI enabled Televisa Univision to dub Spanish-language content into various accents and languages, facilitating a global distribution deal with Netflix.
Open Standard USD, backed by firms including BlackRock, Google, Coinbase, Visa, and Mastercard, will return most reserve revenue to participants and eliminate minting fees.
Marty introduces OpenUSD, a new stablecoin backed by a consortium of major financial and tech companies including Visa, Stripe, MasterCard, American Express, Coinbase, BlackRock, Google, and Samsung.