{"id":61492,"date":"2025-10-21T05:58:13","date_gmt":"2025-10-21T05:58:13","guid":{"rendered":"https:\/\/crowdfundjunction.com\/blog\/visa-sees-stablecoins-powering-the-next-generation-of-lending\/"},"modified":"2025-10-21T05:58:13","modified_gmt":"2025-10-21T05:58:13","slug":"visa-sees-stablecoins-powering-the-next-generation-of-lending","status":"publish","type":"post","link":"https:\/\/crowdfundjunction.com\/blog\/visa-sees-stablecoins-powering-the-next-generation-of-lending\/","title":{"rendered":"Visa Sees Stablecoins Powering the Next Generation of Lending"},"content":{"rendered":"<p><b>(Originally posted on : Crypto News &#8211; iGaming.org )<\/b><br \/>\n<\/p>\n<div>\n<p>Stablecoins are no longer just for crypto traders \u2014 at least that\u2019s the view from Visa, one of the biggest players in global finance. In its latest research report, the payments giant says stablecoins could transform how credit works across borders and industries.<\/p>\n<hr\/>\n<p><em><strong>Good to Know<\/strong><\/em><\/p>\n<ul>\n<li><em><strong>Visa estimates stablecoins have already powered over $500 billion in loans.<\/strong><\/em><\/li>\n<li><em><strong>The firm sees stablecoins as core infrastructure, not speculative tools.<\/strong><\/em><\/li>\n<li><em><strong>Visa highlights tokenized assets, crypto credit, and digital identity as three major innovations.<\/strong><\/em><\/li>\n<\/ul>\n<hr\/>\n<p>According to Visa, stablecoins have quietly become the backbone of a new type of lending market \u2014 one that\u2019s fast, transparent, and built on blockchain rails.<\/p>\n<p><em>\u201cStablecoins have evolved from crypto trading tools to foundational infrastructure powering a new lending space that has grown rapidly in the past year, processing over half a trillion in loans to date\u2026 For banks and financial institutions, this represents both an opportunity and an imperative to understand how programmable money is reshaping credit markets.\u201d<\/em><\/p>\n<p>The company points out that what started as a niche way to trade crypto has matured into a mechanism that could redefine global lending. Banks and fintech firms now have a clear reason to study stablecoins \u2014 not as competitors, but as potential partners in the next era of credit.<\/p>\n<div class=\"main-org-3-item-ins box-100 relative mb-4\">\n<div class=\"space-org-3-items box-100 relative\">\n<div class=\"box-100 space-org-3-item relative border-tb mt-1 \">\n<div class=\"space-org-3-item-ins box-100 relative\">\n<div class=\"space-org-3-item-terms box-25 relative\">\n<div class=\"space-org-3-item-terms-ins box-100 text-center relative\"> <strong>5BTC or 111% + 111 Free Spins!<\/strong> <\/p>\n<p>New players only. Exclusive 111% Welcome Bonus + 111 Free Spins<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2>Tokenized Assets as New Collateral<\/h2>\n<p>One key idea in Visa\u2019s report is that traditional assets like bonds or real estate can soon be tokenized and used as collateral on blockchain-based lending platforms. In practice, that means credit markets could open up to more participants, with faster settlement and fewer intermediaries.<\/p>\n<p>By converting assets into digital tokens, lenders can unlock new liquidity pools while borrowers gain access to funding without the usual friction seen in traditional systems. Visa describes this as the next logical step toward merging traditional finance with blockchain efficiency.<\/p>\n<h2>Crypto Credit<\/h2>\n<p>Visa also highlights how crypto credit programs are evolving. Instead of only trading or staking, users can now borrow against their digital assets directly. That approach gives holders more flexibility, enabling them to use their crypto holdings as working capital while still maintaining long-term exposure.<\/p>\n<p>For financial institutions, these programs create a new avenue for growth. By integrating blockchain-based lending mechanisms, banks could serve both traditional clients and Web3-native borrowers with more tailored products.<\/p>\n<div class=\"main-org-3-item-ins box-100 relative mb-4\">\n<div class=\"space-org-3-items box-100 relative\">\n<div class=\"box-100 space-org-3-item relative border-tb mt-1 \">\n<div class=\"space-org-3-item-ins box-100 relative\">\n<div class=\"space-org-3-item-terms box-25 relative\">\n<div class=\"space-org-3-item-terms-ins box-100 text-center relative\"> <strong>177% up to 5BTC + 77 <strong> Free Spins<\/strong>!<\/strong> <\/p>\n<p>New players only. Exclusive Welcome Bonus of 177% + 77 Free Spins <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2>Building Digital Identities and Onchain Credit<\/h2>\n<p>Perhaps the most forward-looking part of Visa\u2019s research centers on digital identity. The company predicts that blockchain-based credit profiles will eventually replace traditional scoring models.<\/p>\n<p><em>\u201cThe next wave of innovation focuses on solving this challenge through the development of onchain identity and credit scoring systems. These emerging solutions analyze a wallet\u2019s transaction history, asset holdings and interactions with other protocols to construct a credit profile, all while preserving user privacy through techniques like zero knowledge proofs.\u201d<\/em><\/p>\n<p>Visa\u2019s vision points toward an era where individuals and businesses can prove their financial reliability without sharing personal data, combining privacy with verifiable reputation.<\/p>\n<hr\/>\n<h2>FAQ<\/h2>\n<h3>What does Visa mean by \u201cprogrammable money\u201d?<\/h3>\n<p>It refers to digital currency that can execute transactions automatically under predefined rules \u2014 useful for lending, repayment, and settlement.<\/p>\n<h3>How big is the stablecoin lending market now?<\/h3>\n<p>Visa\u2019s report says more than $500 billion in loans have already been processed using stablecoins.<\/p>\n<h3>Can traditional banks join this new credit ecosystem?<\/h3>\n<p>Yes. Visa says stablecoins open opportunities for banks to innovate while staying compliant and connected to global liquidity networks.<\/p>\n<div class=\"main-org-3-item-ins box-100 relative mb-4\">\n<div class=\"space-org-3-items box-100 relative\">\n<div class=\"box-100 space-org-3-item relative border-tb mt-1 \">\n<div class=\"space-org-3-item-ins box-100 relative\">\n<div class=\"space-org-3-item-terms box-25 relative\">\n<div class=\"space-org-3-item-terms-ins box-100 text-center relative\"> <strong>350% or 5BTC + <strong>150 Spins!<\/strong><\/strong> <\/p>\n<p>New players only. Exclusive Welcome Bonus of 350% + 150 Free Spins <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h3>What are onchain credit scores?<\/h3>\n<p>They are blockchain-based systems that evaluate wallet activity and transaction history to measure creditworthiness while preserving privacy.<\/p>\n<\/p><\/div>\n<p><a href=\"https:\/\/igaming.org\/crypto\/visa-says-stablecoins-will-redefine-credit-markets\/\">Source link <\/a><br \/>\n<br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Originally posted on : Crypto News &#8211; iGaming.org ) Stablecoins are no longer just for crypto traders \u2014 at least that\u2019s the view from Visa, one of the biggest players in global finance. In its latest research report, the payments giant says stablecoins could transform how credit works across borders and industries. Good to Know [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":61493,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[34],"tags":[],"_links":{"self":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts\/61492"}],"collection":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/users\/34"}],"replies":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/comments?post=61492"}],"version-history":[{"count":0,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts\/61492\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/media\/61493"}],"wp:attachment":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/media?parent=61492"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/categories?post=61492"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/tags?post=61492"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}