Visa has announced the launch of a stablecoin prefunding pilot through its global money movement platform, Visa Direct. The initiative is designed to give businesses, banks and remittance providers a faster and more flexible way to fund cross-border payouts.
Visa’s new pilot aims to disrupt the legacy systems that require costly pre-funding in fiat as they often lock up large sums of capital for days at a time.
“Cross-border payments have been stuck in outdated systems for far too long,” said Chris Newkirk, President of Commercial & Money Movement Solutions at Visa. “Visa Direct’s new stablecoin integration lays the groundwork for money to move instantly across the world, giving businesses more choice in how they pay.”
With this, businesses won’t need to park large fiat balances in advance. This frees up working capital while still ensuring payouts are covered. It also ensures transfer times take minutes and not days. This makes cash flow and liquidity management more dynamic. Stablecoins, on the other hand, provide predictable settlement, minimizing exposure to currency volatility. Frequent prefunding can happen without incurring additional expenses.
Under the pilot, businesses will send stablecoins to Visa as prefunding for payouts, with Visa treating the tokens as equivalent to “money in the bank.” The service is aimed at financial institutions, banks, and remittance firms looking for faster and more cost-effective liquidity solutions.
Currently, Visa is rolling out the program with select partners that meet its pilot requirements. A broader rollout is expected in 2026.
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