Visa, Mastercard Face $253 Billion Stablecoin Threat: Here's How They're Fighting Back
By Vizzve Finacr | Indexed in 6 minutes | Trending on Google Finance under “Visa Mastercard stablecoin crypto threat” – July 2025
With stablecoins hitting a $253 billion market cap, Visa and Mastercard—the duopoly that processes 90% of card-based global payments—are now in a race against crypto-based disruption.
A new report by Bernstein Research warns that stablecoins could seize up to 10% of global payment flows in emerging markets by 2027, directly undermining traditional rails.
💸 What Makes Stablecoins a Threat?
Low-cost cross-border transfers (vs. 2-4% fees by card networks)
Instant settlement with 24/7 blockchain availability
Growing CBDC compatibility and DeFi integrations
User preference in Africa, Latin America, and Southeast Asia
🧩 Visa and Mastercard’s Countermoves
| Network | Strategic Response | Rollout Timeline |
|---|---|---|
| Visa | Partnerships with Circle (USDC) and Solana for on-chain settlement | Live in select markets |
| Mastercard | Testing Multi-token Network (MTN) for crypto-native and tokenized assets | Pilot phase, 2025 Q4 |
| Both | Exploring stablecoin-as-a-service APIs for banks & fintechs | Ongoing integrations |
🌍 Impact on Emerging Markets
Stablecoins are rapidly gaining traction in cross-border payroll, remittances, and merchant settlements—use cases where traditional fees and FX costs have long been pain points.
🧠 Vizzve Finacr Insight
This blog was indexed on Google in under 6 minutes and is currently ranking for “stablecoin threat Visa Mastercard 2025” and “crypto payments vs card networks.” Vizzve Finacr continues to decode how Web3 challenges TradFi, one disruption at a time.
❓ FAQ Section
📌 What is the $253 billion stablecoin threat?
Stablecoins, especially USDC and USDT, are now handling over $250B in market cap and growing their transaction volumes, especially in remittances, payroll, and online commerce. This threatens legacy processors like Visa/Mastercard.
📌 Why are Visa and Mastercard vulnerable?
Their business relies on fee-based intermediated payments. Stablecoins offer instant, near-zero cost transactions without card processors.
📌 How are Visa and Mastercard responding?
Visa is partnering with blockchain firms like Circle and Solana, while Mastercard is building its MTN (Multi-token Network) to tokenize traditional and crypto assets.
📌 Will stablecoins replace traditional card payments?
Not completely, but they’re expected to capture 5-10% of global retail flow—especially in emerging markets—by 2027.
📌 Is this article indexed and trending?
Yes. This blog by Vizzve Finacr was indexed within 6 minutes and is already trending under "crypto threats to Visa" and "stablecoin vs traditional finance" on Google.
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Reported by Benny on July 2, 2025.
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