Скачать или смотреть Visa’s Stablecoin Pilot with Circle USDC & EURC What It Means for Businesses in the US, UK & EU

Visa has launched a pilot with Circle’s USDC and EURC stablecoins to speed up cross-border payments. Here’s what the program means, how it works, and how businesses in the US, UK, and EU can prepare.

Introduction
Cross-border payments have long been plagued by delays, high costs, and limited flexibility. But a new pilot from Visa and Circle may change that.

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At SIBOS 2025, Visa announced a Visa Direct pilot that allows select partners to pre-fund cross-border payouts using USDC (USD Coin) and EURC (Euro Coin), Circle’s regulated stablecoins. This move signals a major step in merging traditional payments with blockchain-powered efficiency.

So, what exactly is this pilot? Who benefits? And what should businesses in the USA, UK, and EU know right now? Let’s break it down.

What Visa Announced
Visa’s pilot integrates Circle’s USDC and EURC into Visa Direct, enabling partners to use stablecoins for prefunding payouts. Instead of locking capital across multiple bank accounts in different currencies, companies can now move stablecoins 24/7, funding faster and cheaper cross-border payments.

Key Takeaways
Stablecoins supported: USDC (dollar-backed) & EURC (euro-backed).
Who it’s for: Banks, payment providers, and treasury teams — not direct consumer use (yet).
Goal: Speed, flexibility, and reduced capital drag.
Where: Rolling out first with select partners in the US, UK, and EU.
Why This Matters
🚀 Faster Settlement
Stablecoins can move across blockchains instantly, bypassing multi-day bank settlement delays.

💰 Reduced Idle Capital
Businesses no longer need to tie up large balances in overseas bank accounts.

🌍 Coverage Across USD & EUR
Supporting both USDC and EURC ensures coverage of the two most important settlement currencies for global trade.

🔗 Seamless Integration
Visa isn’t building a new rail — it’s adding stablecoins to its existing network, making adoption easier for banks and fintechs.

What It Doesn’t Mean (Yet)
Consumers won’t suddenly be paying for coffee with EURC or USDC via Visa cards.
Not every Visa transaction will involve stablecoins — this is strictly about prefunding cross-border payouts.
It’s a limited pilot — scale will grow as partners onboard and regulators refine frameworks.