#Visa #Mastercard #Stablecoin

You may have noticed: In recent months, old-guard payment giants like Visa and Mastercard have suddenly gone all-in on blockchain.Chainlink partnerships, stablecoin cross-border settlements, tokenized asset platforms…

We used to think they kept blockchain at arm’s length — yet now, they’ve become some of the most active players on the Web3 battlefield.

Many people are asking:“What are they after?” “Their traditional payment systems were printing cash — why jump into this messy crypto space?”

The truth is, it’s not because they want to play with “shiny new tech.” It’s because:If they don’t transform, they risk being left behind.

Yes — left behind.

Don’t be fooled by the billions in revenue Visa and Mastercard are still earning. Their sense of crisis is arguably deeper than that of many Web3 startups.

Because they’re watching, in real time, how stablecoins + blockchain payments could dismantle the core systems they’ve profited from for decades.Today, let’s break it down:

• How do these giants actually make money?

• Why does the rise of stablecoins hit them square in the face?

• What big bets are Visa and Mastercard making in Web3?

• And what does this mean for everyday users, developers, and crypto natives?

When you swipe a card, the merchant charges you $100, but they may have to hand over $2–$3 to this invisible payment infrastructure — behind the scenes are:

• The issuing bank

• The acquiring bank

• The clearing institutions

• And Visa or Mastercard

Even though Visa and Mastercard don’t issue cards or hold funds, they are the gatekeepers:

• Should this transaction be approved?

• Who settles?

• When does it clear?

Just by sitting in this “middle layer,” Visa and Mastercard rake in billions every year.But the model relies on multi-layered intermediation:

• It’s slow

• It’s expensive

Have you ever experienced this?

• Refunds taking 3–5 business days

• Cross-border transfers losing up to 10% in fees

• Merchants pushing you to use cash because “credit cards are too expensive”

All these hidden costs feed that invisible card network.

How powerful are stablecoins? Here are some numbers:

• In the past 12 months, monthly stablecoin transaction volume surpassed Visa for the first time

• USDC/USDT payments settle instantly

• Fees are just a few cents — basically zero

• No intermediaries, no chargebacks, no settlement delays

What does this mean?You don’t need Visa. You don’t need Mastercard.

• Merchants: Get paid faster, at lower cost

• Consumers: Instant settlement, no FX loss

• Developers: Can build payment apps without negotiating partnerships

If this goes mainstream, card networks could become irrelevant.

Think about what happened to the music industry: From CDs to MP3s to Spotify — industries disrupted by technology never get a warning shot.Visa and Mastercard know this. That’s why their current scramble isn’t optional — it’s survival.

Let’s look at how deep they’ve already gone:

• Partnered with Chainlink to connect 3.5 billion cards to blockchain

• Launched FIUSD stablecoin, targeting 150 million merchants

• Built MTN (Multi-Token Network) for tokenized assets, loyalty points, and on-chain settlement

• Invested $300 million in cross-border platform Corpay to grab the global blockchain settlement market

• Teamed up with Fiserv to develop blockchain-enabled payment terminals so merchants can accept crypto directly

Their bet is clear:

Merchants + Users + Fiat = Stablecoin bridge Whoever builds the smoothest bridge will control the future payment routing.

• Partnered with African platform Yellow Card for cross-border stablecoin payments

• Co-launched cards with Ledger, letting users spend and earn USDC or BTC cashback

• Released their own tokenized asset platform to let banks issue “digital dollars” on-chain

• Tested blockchain-based clearing models in Africa and Southeast Asia

Visa’s bet is:

“We don’t have to be a Web3 company — but we must be the underlying interface in Web3.”

They understand that future payments may no longer be about “swiping cards.” It could be smart contracts automatically triggering settlement.So instead of fighting on the front line, they’re focused on owning the back-end standards.

Look carefully — wallets are getting extremely powerful:

• A single crypto wallet can store tokens, receive payments, tip, manage NFTs, borrow, trade

• DeFi fills the transparency gap that card networks lack

• Communities use wallets to connect gaming, content, governance, tipping

Visa and Mastercard can see it: Web3 wallets are evolving into super apps, and their old role as the “payment gateway” is being eroded.The scariest part? These wallets don’t need their networks at all.

If we get used to on-chain spending + on-chain identity + on-chain rewards:

• Do you still need to swipe a card?

• Do you care whether cashback settles in 7 days or 7 seconds?

Visa and Mastercard know the answer.So here’s what they’re doing:

• Building infrastructure: Stablecoin settlement, blockchain payment protocols

• Owning the standards layer: Compliance plugins, risk controls, KYC modules

• Growing developer ecosystems: Training people to use their APIs to bridge Web3 payments

This way, even if the wallet belongs to someone else, the rails belong to them.

This isn’t just some corporate scuffle — it directly affects:

• You could send stablecoins cross-border and have them arrive in minutes

• Cashback could be instant, not “pending for 7 days”

• Your wallet could connect directly to Web3 services without relying on banks

• Fees could plummet — from 2.5% to below 0.1%

• Settlement could accelerate, doubling cash flow efficiency

• You could serve global customers directly, bypassing SWIFT and the card networks

• No need to integrate credit card APIs

• Just use USDC/USDT to achieve full-chain payments

• Visa and Mastercard APIs are already adapting to Web3, so you can build with familiar tools

This is a fundamental rebuild of payment infrastructure — the global payments “operating system” is upgrading.

Never underestimate the adaptability of these legacy giants. They aren’t Web3 natives, but they deeply understand what “channel power” means.

Visa and Mastercard have spent decades:Building rails, extracting fees, and defending the gateways.

Now Web3 is here. They’ve stopped defending old POS terminals and are jumping into protocol building themselves.But their biggest competition is no longer each other — it’s:

• On-chain payment protocols

• Wallets

• Layer2 rollups

• Cross-chain bridges

• USDC and TON

This war has already begun!Which side are you on?

#Visa #Mastercard #Stablecoin

You may have noticed: In recent months, old-guard payment giants like Visa and Mastercard have suddenly gone all-in on blockchain.Chainlink partnerships, stablecoin cross-border settlements, tokenized asset platforms…

We used to think they kept blockchain at arm’s length — yet now, they’ve become some of the most active players on the Web3 battlefield.

Many people are asking:“What are they after?” “Their traditional payment systems were printing cash — why jump into this messy crypto space?”

The truth is, it’s not because they want to play with “shiny new tech.” It’s because:If they don’t transform, they risk being left behind.

Yes — left behind.

Don’t be fooled by the billions in revenue Visa and Mastercard are still earning. Their sense of crisis is arguably deeper than that of many Web3 startups.

Because they’re watching, in real time, how stablecoins + blockchain payments could dismantle the core systems they’ve profited from for decades.Today, let’s break it down:

• How do these giants actually make money?

• Why does the rise of stablecoins hit them square in the face?

• What big bets are Visa and Mastercard making in Web3?

• And what does this mean for everyday users, developers, and crypto natives?

When you swipe a card, the merchant charges you $100, but they may have to hand over $2–$3 to this invisible payment infrastructure — behind the scenes are:

• The issuing bank

• The acquiring bank

• The clearing institutions

• And Visa or Mastercard

Even though Visa and Mastercard don’t issue cards or hold funds, they are the gatekeepers:

• Should this transaction be approved?

• Who settles?

• When does it clear?

Just by sitting in this “middle layer,” Visa and Mastercard rake in billions every year.But the model relies on multi-layered intermediation:

• It’s slow

• It’s expensive

Have you ever experienced this?

• Refunds taking 3–5 business days

• Cross-border transfers losing up to 10% in fees

• Merchants pushing you to use cash because “credit cards are too expensive”

All these hidden costs feed that invisible card network.

How powerful are stablecoins? Here are some numbers:

• In the past 12 months, monthly stablecoin transaction volume surpassed Visa for the first time

• USDC/USDT payments settle instantly

• Fees are just a few cents — basically zero

• No intermediaries, no chargebacks, no settlement delays

What does this mean?You don’t need Visa. You don’t need Mastercard.

• Merchants: Get paid faster, at lower cost

• Consumers: Instant settlement, no FX loss

• Developers: Can build payment apps without negotiating partnerships

If this goes mainstream, card networks could become irrelevant.

Think about what happened to the music industry: From CDs to MP3s to Spotify — industries disrupted by technology never get a warning shot.Visa and Mastercard know this. That’s why their current scramble isn’t optional — it’s survival.

Let’s look at how deep they’ve already gone:

• Partnered with Chainlink to connect 3.5 billion cards to blockchain

• Launched FIUSD stablecoin, targeting 150 million merchants

• Built MTN (Multi-Token Network) for tokenized assets, loyalty points, and on-chain settlement

• Invested $300 million in cross-border platform Corpay to grab the global blockchain settlement market

• Teamed up with Fiserv to develop blockchain-enabled payment terminals so merchants can accept crypto directly

Their bet is clear:

Merchants + Users + Fiat = Stablecoin bridge Whoever builds the smoothest bridge will control the future payment routing.

• Partnered with African platform Yellow Card for cross-border stablecoin payments

• Co-launched cards with Ledger, letting users spend and earn USDC or BTC cashback

• Released their own tokenized asset platform to let banks issue “digital dollars” on-chain

• Tested blockchain-based clearing models in Africa and Southeast Asia

Visa’s bet is:

“We don’t have to be a Web3 company — but we must be the underlying interface in Web3.”

They understand that future payments may no longer be about “swiping cards.” It could be smart contracts automatically triggering settlement.So instead of fighting on the front line, they’re focused on owning the back-end standards.

Look carefully — wallets are getting extremely powerful:

• A single crypto wallet can store tokens, receive payments, tip, manage NFTs, borrow, trade

• DeFi fills the transparency gap that card networks lack

• Communities use wallets to connect gaming, content, governance, tipping

Visa and Mastercard can see it: Web3 wallets are evolving into super apps, and their old role as the “payment gateway” is being eroded.The scariest part? These wallets don’t need their networks at all.

If we get used to on-chain spending + on-chain identity + on-chain rewards:

• Do you still need to swipe a card?

• Do you care whether cashback settles in 7 days or 7 seconds?

Visa and Mastercard know the answer.So here’s what they’re doing:

• Building infrastructure: Stablecoin settlement, blockchain payment protocols

• Owning the standards layer: Compliance plugins, risk controls, KYC modules

• Growing developer ecosystems: Training people to use their APIs to bridge Web3 payments

This way, even if the wallet belongs to someone else, the rails belong to them.

This isn’t just some corporate scuffle — it directly affects:

• You could send stablecoins cross-border and have them arrive in minutes

• Cashback could be instant, not “pending for 7 days”

• Your wallet could connect directly to Web3 services without relying on banks

• Fees could plummet — from 2.5% to below 0.1%

• Settlement could accelerate, doubling cash flow efficiency

• You could serve global customers directly, bypassing SWIFT and the card networks

• No need to integrate credit card APIs

• Just use USDC/USDT to achieve full-chain payments

• Visa and Mastercard APIs are already adapting to Web3, so you can build with familiar tools

This is a fundamental rebuild of payment infrastructure — the global payments “operating system” is upgrading.

Never underestimate the adaptability of these legacy giants. They aren’t Web3 natives, but they deeply understand what “channel power” means.

Visa and Mastercard have spent decades:Building rails, extracting fees, and defending the gateways.

Now Web3 is here. They’ve stopped defending old POS terminals and are jumping into protocol building themselves.But their biggest competition is no longer each other — it’s:

• On-chain payment protocols

• Wallets

• Layer2 rollups

• Cross-chain bridges

• USDC and TON

This war has already begun!Which side are you on?