Visa has launched USDC settlement in the US
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US issuers and acquirers can now settle with Visa using Circle’s USDC, a fully reserved, dollar-backed stablecoin. The USDC settlement enables faster fund transfers over blockchains, seven-day availability, and operational resilience during weekends and holidays, all while maintaining a seamless consumer card experience.
Initial participants include Cross River Bank and Lead Bank, which have begun settling USDC over the Solana blockchain. Wider availability across the US is expected in 2026.
Visa is also a design partner for Arc, a new Layer 1 blockchain from Circle currently in public testnet. Arc aims to provide the performance and scalability needed to support Visa’s on-chain commercial activity. Visa plans to use Arc for USDC settlement and operate a validator node when the blockchain goes live.
Rubail Birwadker, Global Head of Growth Products and Strategic Partnerships at Visa, said, “Financial institutions are looking for faster, programmable settlement options that integrate seamlessly with their existing treasury operations. By bringing USDC settlement to the US, Visa is delivering a reliable, bank-ready capability that improves treasury efficiency while maintaining security, compliance, and resiliency standards.”
Visa’s US stablecoin settlement framework offers seven-day settlement windows, modernized liquidity and treasury management, and interoperability between traditional payment rails and blockchain infrastructure. The US launch builds on Visa’s global stablecoin pilots across Latin America, Europe, Asia Pacific, and CEMEA, which reached an annualized US$3.5 billion monthly settlement volume as of November 2025.
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