From Stablecoins to Onchain Credit: Builds the Next Financial Layer
Toronto Ontario, CA, September 10th, 2026, Chainwire
highlights Visa’s expansion of stablecoin infrastructure into onchain credit, marking a shift beyond payments and settlement toward liquidity and financing. Stablecoins are entering a new phase of financial infrastructure, with Visa extending its stablecoin strategy beyond movement and settlement into onchain credit. By combining VisaNet settlement data with blockchain-based lending infrastructure, the initiative is designed to support working capital in a digital, always-on financial environment.
According to Visa, more than $694 billion in stablecoin-denominated loans have moved through onchain lending protocols since 2020, while Visa’s stablecoin settlement volume has surpassed a $20 billion annualized run rate. The developments highlight how blockchain infrastructure is evolving beyond the movement of money to support liquidity, financing, and credit.
For , this transition is already underway. is a Beta Participant in the Visa Stablecoin Platform (VSP), an environment created by Visa to give financial institutions, fintechs, and digital-asset companies access to stablecoin operations through a unified infrastructure. Alongside its work in stablecoin infrastructure, has now introduced its own credit layer through a dedicated USD 1.5 million funding pool and the Credit Leverage Strategy, allowing eligible participants to receive up to 50% additional operating capacity within the strategy. The credit structure remains independently issued and administered by ; its development runs in parallel with the broader direction in which Visa and other participants across the digital-finance ecosystem are bringing credit infrastructure onchain.
This development is also part of the broader Digital Bank roadmap. Stablecoin infrastructure created the foundation for digital movement and settlement; liquidity and credit now add the next financial layers. The long-term direction is an environment where digital assets, stablecoins, settlement, liquidity, and credit are no longer separate products, but interconnected components of one financial architecture. For , the transition from stablecoins to credit represents another step toward that model — a digital financial system designed not only to move capital, but increasingly to put capital to work.
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