Visa Launches $USDC Payment Settlement for U.S. Banks

📌 Visa officially launched its USDC payment settlement service for U.S. banks and fintechs on December 16, 2025. This service uses Circle's USDC on the Solana blockchain, enabling fast, efficient 24/7 payments without affecting the end-user experience.

💡 The first participating banks are Cross River Bank and Lead Bank, aiming to optimize payments through blockchain. Solana’s use enhances transaction speed and reduces costs, providing financial institutions the opportunity to modernize their payment processes.

⚠️ One of the key benefits of this service is that payments can occur seven days a week, improving liquidity management for banks and enabling the development of programmable financial products, bridging traditional banking systems with blockchain technology.

🔎 Results from the pilot program show the service reached an annualized run rate of $3.5 billion by November 30, 2025. This demonstrates the success of the pilot and growing demand from banking partners.

🧭 In the short term, this service is expected to drive the value of Solana and USDC due to real transaction flows from financial institutions. Visa plans to expand the service to more partners in the U.S. by 2026, further integrating TradFi and DeFi.

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