Visa and Mastercard said that Stablecoin payments are currently threatening any threat to their domination in the payment industry. Despite the sharp increase in the adoption of cryptography in 2025, the annual volume of visa transactions remains at 15 billions of dollars, much larger than the Stablescoin market.
Can Stablecoin become a threat to visa and mastercard?
According to Reuters, the two companies have explained that the majority of the activity of the stablescoin is always limited to cryptographic trading or being used as a reserve of value, rather than for daily payments. About 90% of the stable volume is linked to crypto exchanges.
On the other hand, Visa and Mastercard offer predictability, wide acceptance and solid advantages of protection against fraud that stablecoins have not yet equaled.
Company managers recognized that stablecoins were supplied by advanced technologies. However, they also stressed that stablecoins lack key elements such as scale, reliability, fraud guarantees and consumer confidence factors that are well established in traditional card networks.
Visa and Mastercard invest in Stablecoin
The two companies actively invest in the integration and infrastructure of Stablecoin to fill the gap between traditional finance and the world of cryptography. With the introduction of lighter regulatory frameworks like the Genius Act, Stablecoins are gradually gaining more acceptance.
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Stablecoins increase particularly in countries with unstable fiduciary currencies or high inflation, where they serve as an alternative value reserve and a cross -border transfer tool. However, in developed economies, their adoption is slower due to regulatory uncertainties and limited consumer protection areas, where card networks have a strong advantage.
Final thought
While many merchants in the United States are attracted to stablecoins for their lower costs, faster establishments and world scope, Visa and Mastercard still dominate the payment ecosystem. Most stablecoins remain confined to the cryptographic space, while Visa and Mastercard are deeply anchored in the global payment infrastructure.
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Faq
Stablecoins lack scale, reliability, fraud and consumer confidence guarantees that the Visa / Mastercard offer. Most uses (90%) are always limited to the exchanges of cryptography.
Some prefer the lower costs of stablecoins / faster regulations, but the global infrastructure and the confidence of visa / mastercard maintain the domination of payments.
No. Most of the use of the stable reserve concerns cryptographic trading, not daily payments, keeping the dominant card networks.
Regulatory uncertainty and lower consumer protection slow down the growth of stabbed on the developed markets.
