Regulatory evolution in the U.S., including the GENIUS Act framework for stablecoins, is energizing incumbents to offer compliant, high‑throughput digital dollar rails.

Solana’s ecosystem is attracting institutional attention, evidenced by JPMorgan’s Solana‑based USCP token for a Galaxy debt offering and State Street/Galaxy plans for a tokenized liquidity fund, alongside core Solana upgrades like Firedancer to boost throughput.

Visa frames the initiative as faster, programmable settlement that integrates with merchants’ and banks’ treasury operations.

Rubail Birwadker, Visa’s global head of growth products and strategic partnerships, notes that institutions want faster, programmable settlement that fits into existing treasury workflows.

Visa plans to broaden access to more U.S. partners through 2026 and invites interested clients to engage via their account teams as availability expands.

The initiative fits Visa’s broader push to modernize settlement infrastructure and stay ahead as stablecoins gain traction, including the creation of a Global Stablecoins Advisory Practice to help banks, merchants, and fintechs design and deploy stablecoin products.

Visa unveils a U.S. stablecoin settlement service using Circle’s USDC over Solana for back-end payment flows, with early participation from Cross River Bank and Lead Bank, and aims to broaden adoption through 2026.

The U.S. rollout targets financial institutions, fintechs, and treasury teams seeking modernized settlement flows, improved liquidity, and programmable money movement bridging traditional banking with blockchain infrastructure.

As a design partner for Circle’s Arc Layer 1, Visa plans to use Arc for USDC settlement and will operate a validator node when Arc launches.

Leaders from Lead Bank and Cross River Bank underscore speed, precision, and rising interest from fintech and crypto innovators to incorporate stablecoins into existing product suites.

USDC settlement provides seven‑day settlement windows, enabling banks and fintechs to settle on weekends and holidays to speed funds movement while preserving the current consumer card experience.

Visa’s aim is near‑instant funds movement with seven‑day settlement and improved liquidity management, without altering the consumer card experience.