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panewslab.comSEP 122 min read$V

Visa's $2.5 Billion On-Chain Business: Advance Funds to Card Issuers, Collect Payments via Smart Contracts

Visa launched an onchain lending program, Credit Coop, to help card issuers manage settlement funding gaps. The program provides stablecoin revolving credit lines, with smart contracts automating fund flows. Visa reported $2.5B in cumulative settlement volume since 2023, with zero defaults. The program has reduced borrowing costs for participants by up to 30%, according to Visa. Payment company Rain is a major user, with $2B in cumulative payments. Karta also used Credit Coop for early growth be

Original reporting
panewslab.com
Published Sep 12, 2026, 2:00 PM UTC
Analysis
AlphAI AI DeskAI-generated
Added to AlphAI Sep 13, 2026, 1:30 AM UTC. Informational, not investment advice.
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Visa's $2.5 Billion On-Chain Business: Advance Funds to Card Issuers, Collect Payments via Smart Contracts — source image
Source · panewslab.com
Decision brief

The 30-second read

$VBullishLow
01

Why it matters

The initiative positions Visa as a pioneer in on‑chain credit, potentially unlocking new revenue streams and reinforcing its network value.

02

Market read

Introduces a novel financing mechanism that could influence the payments sector and stablecoin usage.

03

What to watch

Credit risk transparency, default monitoring, and the need for stablecoin liquidity could constrain growth.

Relevance 7/10Novelty 7/10Timing: launch announced September 8, 2026

Background

Visa is expanding its service offering by integrating blockchain technology to address settlement timing gaps for card issuers.

Company-level read

Ticker impact

$VBullishMedium confidence
Context

Visa announced its on-chain lending program Credit Coop, providing stablecoin revolving credit lines to card issuers.

Expected impact

Modest upside potential as the market assesses the new blockchain‑based service.

Evidence & confidence

Visa is a large, diversified payment network; a novel on‑chain product adds growth narrative but scale and adoption remain uncertain.

Market effects

Sector

May spur other payment processors to explore blockchain credit solutions.

Regional

Potentially benefits U.S. fintech ecosystem and stablecoin markets.

Global

Highlights growing intersection of traditional finance and DeFi globally.

Counterpoint

What could challenge this read

Adoption could be limited by regulatory scrutiny and institutional risk aversion to on‑chain credit.

Key entities

  • Company
    Visa

    Global payments network launching the on‑chain lending program.

  • Protocol
    Credit Coop

    On‑chain credit protocol providing stablecoin revolving credit lines.

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