Visa Links Payment Settlements to Blockchain Lending for Businesses
Visa has introduced a new approach to funding businesses by linking its payment settlement records with blockchain-based lending. The payments company says this move is designed to let lenders use VisaNet settlement data together with onchain transaction information to assess borrowers and extend credit against payment obligations.
The announcement positions stablecoin-linked card programs and onchain credit as parts of a broader payments stack, where settlement data can serve as a source of 'working capital' signals rather than relying solely on traditional banking-style documentation.
Key takeaways include Visa combining VisaNet settlement data with blockchain lending infrastructure to help finance payment obligations using both offchain settlement records and onchain activity. Credit Coop is highlighted as an early example, reporting over $2.5 billion in cumulative settlement volume since 2023 across participating facilities.