TLDR:
- Visa Direct has introduced a pilot that uses Stablecoin Prefunding to streamline global payments and reduce capital locks.
- Companies can now pre -finance with Stablecoins, which enables faster liquidity while maintaining coverage for international payments.
- The pilot aims to reduce delays in the settlement and release companies from Parking Fiat balances days before transactions.
- Visa plans to expand the Stablecoin program 2026 after testing with selected banks and financial institutions.
Cross -border payments have long relied on outdated systems. They are often slow, expensive and bind corporate funds before transfers.
Companies have struggled with frozen liquidity and cannot move cash quickly if needed. That reality can change as Visa begins Test Stablecoins as a new source of funding.
The company announced the launch of a prefunding pilot at Sibos 2025, which signaled its direct steps to test Stablecoins as a cash alternative.
Visa said that the pilot is rolled out through its visa direct platform, in accordance with to a September 30 edition shared on Business Wire. The initiative introduces Stablecoin Prefunding to global transactions, designed to improve flexibility and reduce decommissioning delays.
By allowing companies to reconcile with Stablecoins instead of Fiat, visas intend to reduce friction that comes with traditional state operations.
Stablecoin Pilot to unlock liquidity
In his messageVisa described Stablecoin Prefunding as a way to keep capital actively rather than sitting at idle.
Companies such as pre-funds with Stablecoins have faster access to labor committee while still ensuring that their global payments are covered. According to the company Treasury Management, this model makes more dynamic and responsive.
The pilot applies directly to banks, referrals and financial institutions that often deal with cross -border flows. These groups often handle high transaction volumes and meet challenges with decommissioning times and currency escape. Using Stablecoins as a predictable settlement layer can reduce these risks.
Visa said that integration also helps to protect the government debt gear from swings at local exchange rates. Stablecoins offers consistent value, which helps stabilize settlements and makes it easier to predict cross -border cash flow. For companies that move money in several markets, that texture is a practical advantage.
The company is currently working on selected partners who meet the pilot requirements. Wider roll -out is planned for 2026, when the test confirms performance and compliance results. Until then the focus remains on ensuring Stablecoins can serve as reliable presets.
View Direct’s Push into digital payments
The pilot is based on Visa Direct broader driving force to modernize international transfers for the digital first economy.
For decades, relocation of money across borders has meant ordering Fiat accounts days in advance. It binds capital and leaves companies with less flexibility to manage new expenses.
Chris Newkirk, chairman of Commercial & Money Movement Solutions at Visa, said that the pilot is about moving money directly and giving companies more choices. He described existing systems that outdated and said that the goal is to create faster ways to pay globally.
Visa also emphasized its broader strategy for pairing blockchain programmability with its existing global payment scale. The company said it continues to cooperate with leading suppliers to make cases of prefunding users more practical. That method can place visas in a central role when stablecoins get traction Economic activities.
The test phase marks a careful but direct step into the Stablecoin adoption of one of the largest payment networks. If succeeded, the preset model may reshape how companies handle cross -border payments in the coming years.
