Is Visa’s (V) Stablecoin Push Quietly Redefining Its Role in the Global Payments Stack?

• In recent days, Visa has launched a Stablecoins Advisory Practice and expanded USDC-based settlement in the U.S., allowing issuer and acquirer partners to settle transactions in digital dollars over blockchain infrastructure alongside its traditional network.
• These moves deepen Visa’s role as a core infrastructure provider for regulated stablecoin payments, potentially reshaping how banks, fintechs, and merchants connect to digital assets while keeping transactions within a familiar payments framework.
• We’ll now explore how Visa’s USDC settlement expansion and broader stablecoin push could influence its investment narrative and growth drivers.

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Visa Investment Narrative Recap

To own Visa, you typically need to believe that its global payment network, value added services, and newer money movement rails will remain essential even as stablecoins, real time payments, and fintech competitors evolve. The latest USDC settlement expansion and Stablecoins Advisory Practice look incrementally positive for Visa’s multi rail strategy, while ongoing interchange litigation and regulatory scrutiny around fees still appear to be the most important near term overhang for the stock.

Among the recent announcements, the MassPay integration with Visa Direct stands out because it reinforces one of Visa’s key growth areas: cross border, account to account style payouts for gig workers, marketplaces, and contractors. This use of Visa Direct alongside stablecoin initiatives shows how Visa is trying to stay relevant across both card based and newer money movement use cases, which matters for how investors think about future growth drivers versus the risk that alternative payment rails compress traditional economics.

Yet even as Visa broadens into stablecoins and real time payouts, investors still need to watch the mounting pressure around interchange fees and merchant pushback...

Read the full narrative on Visa (it's free!)

Visa's narrative projects $51.9 billion revenue and $27.5 billion earnings by 2028. This requires 10.1% yearly revenue growth and a $7.4 billion earnings increase from $20.1 billion today.

Uncover how Visa's forecasts yield a $395.89 fair value, a 14% upside to its current price.

Exploring Other Perspectives

Thirty four members of the Simply Wall St Community value Visa between US$320 and US$463.49, highlighting a wide spread of expectations. Against that backdrop, rising alternatives such as real time payment systems and stablecoins could matter more than many investors currently assume for Visa’s long term economics, so it is worth comparing several of these viewpoints before deciding how you see the trade off between resilience and disruption.

Explore 34 other fair value estimates on Visa - why the stock might be worth 8% less than the current price!

Build Your Own Visa Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your Visa research is our analysis highlighting 3 key rewards that could impact your investment decision.
• Our free Visa research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Visa's overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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