Visa and Mastercard have introduced new stablecoin funding options for business payouts, marking a significant step in the integration of cryptocurrencies into traditional financial systems. On October 15, both companies announced commercial stablecoin funding routes, enabling eligible businesses to fund payments using stablecoins like USDC.
Visa has partnered with Inyo Global to offer USDC prefunding for its Visa Direct cross-border payout clients. This integration allows businesses to prefund payouts with USDC in near real time, providing an alternative to traditional funding methods. Inyo's service operates around the clock through existing APIs, making it accessible for money transmitters, fintechs, banks, and payment businesses.
Mastercard, meanwhile, has launched its Global Money Platform through BVNK, a stablecoin infrastructure firm. This platform allows businesses to use stablecoin balances to fund local-currency bank payouts, separating the funding choice from the recipient's currency preference. Mastercard expects to expand its payout coverage to more than 40 currencies across over 200 countries and territories in 2027.
Both Visa and Mastercard highlighted that the immediate change for participating businesses is an additional way to fund payments that can ultimately reach conventional bank accounts. The announcements did not disclose measured stablecoin payment volumes or realized fee savings, but the integration of stablecoins into traditional payment systems represents a notable shift in the financial landscape.