Nov 4, 2025 10:57

• Visa management held a conference call to discuss the fourth quarter of 2025. 
• Among other things, CEO Ryan McInerney spoke about the company's achievements. 
• It added support for four stablecoins and also launched some AI solutions. 
• According to the CEO, Visa aims to become the foundational layer for counterparties in the payments sector, offering a full range of services. 

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Visa has added support for four stablecoins across four different networks, which can be converted into 25 national currencies. The company's CEO, Ryan McInerney, announced this during a conference call published by The Motley Fool . 

“Throughout 2025, and in particular in the fourth quarter, we have stepped up investments in innovation,” the CEO noted. 

According to him, Visa has become a "hyper-scalable platform" that allows anyone who wants to work in the payments industry to operate using the "Visa-as-a-Service" stack. This, in turn, consists of several layers.

• base layer;
• level of services, basic tools;
• level of ready-made solutions;
• access level, including SDK and API.

At the core of the stack, according to McInerney, is Visa's "network of networks." This is the very foundational layer that enables the free movement of money. In 2025, the company was working to scale it by:

• increasing the number of points to 12 billion;
• expansion of the list of supported currencies, including four stablecoins on four different networks, pegged to two currencies that can be converted into 25 others;
• preparations for the implementation of the new generation of the VisaNet processing center. 

It's worth noting that at the end of July 2025, Visa announced its support for three stablecoins: PYUSD, USDG, and EURC. The four stablecoins mentioned by the CEO likely include these assets. 

In addition, at the end of September, the company launched a pilot project for cross-border payments in USDC. 

Regarding other levels of the Visa stack, the company's head noted the following:

• The number of tokens (Visa tokens) has grown to 16 billion. These are substitutes for real card numbers (PAN) in electronic payments;
• Visa Scam Disruption System Prevents $1 Billion in Losses;
• Since 2020, the company has processed transactions in crypto assets and stablecoins with a total volume of $140 billion;
• The company continued to work on a number of services, including the Visa Intelligent Commerce AI system for personalizing and improving the security of purchases;
• Also in 2025, the company launched MCP Server, through which AI systems can interact with the company's API.

"We're no longer just a card network. Visa is now a platform for building financial products: from payments to crypto assets, from business cards to AI tools. We have the infrastructure, services, ready-made solutions, and open APIs—everything needed to enable any market participant to work with Visa as if it were a cloud service," the CEO concluded. 

Western Union is also working on launching stablecoin-based solutions. According to media reports, the company plans to launch its stablecoin-based asset in the first half of 2026.