Visa Just Made Stablecoin Settlement Part of International Banking

Key Takeaways:

• Visa is rolling out USDC-based settlement for institutions across CEMEA using Aquanow infrastructure.
• Stablecoins are now moving into institutional settlement and custody, not just crypto trading.
• Large regulators are reviewing how to treat stablecoin exposure as adoption grows inside the traditional financial system.

Instead of experimenting with retail payments or consumer-facing Web3 cards, the expansion targets the back end of global finance — the part that ordinary users never see, but that determines how quickly money actually moves between banks. To make the shift possible, Visa is working with crypto infrastructure firm Aquanow, enabling settlement in USDC for approved institutions in the region.

The philosophy behind the rollout is straightforward: cross-border payments shouldn’t depend on banking hours, intermediaries and settlement cut-off times. Stablecoins allow transfers and reconciliation to happen at any hour of the day, including weekends and holidays.

Why Visa is Doing This Now

Banks and payment providers across CEMEA have been pushing for faster settlement cycles, especially for high-volume corridors. Traditional paths require long chains of correspondent banks and reconciliation steps. Visa wants to remove those friction points rather than build new layers on top of them.

By settling in USDC, institutions in the region can:

• move money internationally without waiting for the next banking window
• reduce settlement costs associated with FX and intermediaries
• finalize transfers directly on blockchain rails instead of legacy networks

Visa is presenting this as modernization rather than disruption — upgrading the rails without forcing institutions to overhaul their payment services.

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A Broader Trend: Stablecoins Are Leaving the Crypto Niche

Outside the crypto industry, stablecoins are quickly being positioned as institutional liquidity tools, not just trading chips on centralized exchanges.

Deutsche Börse recently revealed plans to integrate the EURAU euro-pegged stablecoin across custody and settlement services. Before that, the exchange group worked with Circle’s EURC and Société Générale-Forge’s EURCV. If these deployments scale, stablecoins could gain a footprint in mainstream financial systems much faster than CBDCs.

The move has also reignited regulatory discussions. The Basel Committee is openly debating whether the current 1,250% risk weighting for crypto exposures is realistic now that stablecoins are being used in mainstream settlement. Meanwhile, the Bank of England says it expects the UK to align with the U.S. on stablecoin regulation — something that didn’t seem likely until this year.

What This Means Long-Term

The CEMEA rollout signals that the shift from legacy rails to blockchain settlement has begun — not as a crypto trend, but as a payment industry upgrade.

If the expansion works as intended, it could accelerate:

• global 24/7 settlement for banks and fintechs
• reduced dependence on SWIFT and slow correspondent networks
• blended financial systems where fiat rails and blockchain rails coexist

The key thing to note is that Visa isn’t replacing its existing systems. Instead, the company appears to be building a parallel settlement stack that can handle speed, scale and uptime that the old rails simply cannot.

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