- Stablecoin payments remain a small portion of Visa’s volume.
- The use of stablecoin payments is restricted by regulatory uncertainty.
- Visa goes further around the world, demanding more understandable regulations.
Visa has processed more than 200 million stablecoins. According to Ryan McInerney, the CEO, there are many pitfalls of stablecoins. He insisted on clear U.S. rules that would release growth.
Source – Visa Q3 Earning
Despite the good Q2 2025 earnings, stablecoins make up a small fraction of the Visa business. Visa achieved 14 percent growth in the amount of revenue of 10.17 billion dollars. Its net income rose sharply to $5.83 billion.
Stablecoins Struggle with Regulatory Uncertainty
McInerney views stablecoins as a significant long-term opportunity. Nevertheless, he adds that it is difficult to expand their usage due to ambiguous U.S. regulations. Visa hopes that legislators will come up with effective and concise frameworks shortly.
Visa is experimenting with cross-border payments with stablecoins as a means of accelerating settlements. Their Visa Direct platform is supposed to reduce the delays that are inherent to the legacy systems. For programmable finance, the business is also working on its Tokenized Asset Platform, which will let institutions issue stablecoins.
There is approximately a 10-20 percent level of stablecoin transactions as actual payments in the world these days. The majority of the activity of stablecoins is associated with trading and liquidity management on crypto exchanges. Better regulations would see an increase in payment use to reach over 50% in a year.
Visa’s Global Stablecoin Efforts Expand
Last week, Visa announced the expansion of its stablecoin settlement service to Central and Eastern Europe, the Middle East, and Africa (CEMEA). They have collaborated with fintech Yellow Card to seek blockchain-based solutions for treasury activities in developing markets.
Although stablecoins have a low percentage of payment use, there is a current total market of around $272 billion in digital currency. Visa’s $200 million stablecoin processing is modest but promising. Those who monitor the industry liken the current stablecoins to shopping on the internet in the 1990s. They expect explosive growth once regulations firm up.
Visa remains cautious and watchful amid evolving global rules. The new GENIUS Act has established a foundation, but it does not address all major points. McInerney monitors the trends of regulation in different parts of the world so that they can regulate the plans of Visa regarding stablecoins.
Stablecoins Promise Faster, Cheaper Payments
Visa highlights that stablecoins could reshape money transfers. Quicker international payments and reduced transaction fees would eliminate some of the problems that have plagued the industry. However, without a clear policy, innovation will lag.
Visa aims to ensure that stablecoins become central to digital payments. The firm seeks to integrate blockchain velocity with the trusted infrastructure of Visa. They desire banks and businesses to access the programmable digital currencies securely.
The company acknowledges that stablecoins need more use cases. Visa is also investing heavily in blockchain and tokenized assets to fast-track adoption. Such technologies present the opportunity of programmable money and new models of finance.
The post Slow Stablecoin Adoption Prompts Visa to Call for Clear Regulations appeared first on Live Bitcoin News.