Visa Uses Onchain Lending to Fund Stablecoin Card Programs

Visa has integrated blockchain-based lending protocols to provide working capital for fintechs and stablecoin-linked card programs, leveraging its payment settlement data.

The initiative, announced on September 8, 2026, allows Visa to use its detailed transaction data as a basis for underwriting loans sourced from onchain lending pools. This approach aims to provide faster, more efficient financing for partners issuing Visa cards tied to stablecoins or other digital assets.

By tapping into decentralized finance (DeFi) protocols, Visa can offer capital without traditional banking intermediaries. The company’s vast network of payment settlements provides a real-time, verifiable data stream for assessing creditworthiness on the blockchain.

The move represents a significant step in bridging traditional payment infrastructure with decentralized finance. It could accelerate the adoption of stablecoin-based payment products by removing a key hurdle for issuers: access to operational funding.