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$BTC Foreign media believe that stablecoin payment cards are not currently replacing traditional card organizations, but rather adding a new layer of funding and settlement capabilities to the existing bank card system. On-chain assets are responsible for transferring value, while Visa and Mastercard remain responsible for connecting this money to their global merchant networks. Merchants still use existing channels. When a user swipes a stablecoin card, the process seen by the merchant is similar to that of a regular bank card transaction. The issuing institution first verifies the wallet balance, then reserves or redeems the corresponding stablecoins, and subsequently sends the transaction to the acquiring bank and merchant through the Visa or Mastercard network. This means that most merchants do not need to configure encrypted wallets or directly connect to the blockchain. Restaurants, retailers, and online platforms can still use their existing acquiring systems; the backend simply uses stablecoins as a source of funds or a settlement tool. Stablecoins solve the problem of settlement efficiency. The article points out that stablecoins such as USDC can achieve 24/7 transfers and are more suitable for cross-border flows. However, retail payments are not just about transferring money from one end to the other; they also include transaction routing, merchant identification, currency conversion, refunds, fraud detection, and chargeback processing. These capabilities have long been provided by card networks. Completely bypassing Visa and Mastercard would require global merchants to replace their entire payment infrastructure, a highly difficult task in the short term. Therefore, a more realistic path for stablecoin cards is to transform back-end settlement without changing merchant acceptance methods. The two major card organizations are also integrating on-chain settlement. Visa stated that in 2025, the transaction volume of cards pegged to stablecoins was approximately $5.2 billion, a year-on-year increase of 319%; monthly spending on crypto cards was approximately $600 million. The article also mentions that Rain has used USDC to support 7-day settlement for Visa card projects. Mastercard has expanded its stablecoin settlement scope to cover USDC, PYUSD, and RLUSD, and is promoting weekend and intraday settlement. Visa is also providing USDC settlement capabilities to financial institutions, including arrangements through Solana. The focus of competition shifts to payment revenue. The article argues that future competition will not only focus on who processes payments, but also on who can capture the main revenue in the payment chain. Stablecoin issuers can earn revenue from reserve assets, while banks may face pressure from the diversion of deposits and some payment revenue. In contrast, Visa and Mastercard have the advantage of not relying on consumers holding bank deposits. As long as transactions continue to pass through their networks, both companies can maintain their central position in merchant acceptance and payment orchestration.

Stablecoins continue to grow even as the crypto market remains weak. According to Visa, adjusted transaction volume reached a new record in June — $1.79T. ➡️ What happened Stablecoin transaction volume grew to $1.79T in June This is 63% more than in May, when the figure was around $1.1T The previous record was in February — $1.78T Compared with last year, volume increased by 125% ➡️ Why this matters Growth is not coming only from market speculation Stablecoins are increasingly used for payments, DeFi, and international transfers Even in a bear market, they remain one of the most functional products in the crypto industry This shows that demand for fast digital settlement continues to grow ➡️ Who leads by volume Circle’s USDC accounted for about 67% of total volume Around $1.21T passed through USDC in June Tether’s USDT generated about 32%, or roughly $576B PayPal’s PYUSD took third place with around $2.42B in volume ➡️ Where transactions happen Coinbase’s Base became the most active network Around $565B passed through Base, or 31.5% of total volume Ethereum was almost next to it — around $562B Tron took third place with around $320B in volume ➡️ Why the data looks more important than ordinary statistics Visa uses an adjusted methodology together with Allium, Artemis, and Castle Island Ventures Part of the noise is removed from the calculations: bots, exchange rebalancing, and repetitive smart contract operations That is why the figures better reflect real activity, not just technical turnover inside networks ➡️ What comes next Researchers believe stablecoins are becoming the base layer of the Web3 economy New players are entering the market, including Open USD OUSD has been supported by more than 140 companies from payments, banking, technology, and crypto Visa and Mastercard are also mentioned among the participants Conclusion: stablecoins have long stopped looking like “temporary parking” between trades. The record $1.79T shows that they are turning into full infrastructure for transfers, liquidity, and settlement — even while the rest of the market is going through a downturn.

PIONEERS — MoneyGram, PayPal, Visa, and U.S. Bank all chose Stellar. If Pi runs on the same tech, why isn't Pi the next name on that list? The stablecoin economy is exploding. Real-world players are choosing Stellar: 🔹 MoneyGram – extended partnership for global cash on/off-ramps 🔹 PayPal – bringing PYUSD to Stellar for everyday payments and remittances 🔹 Visa & Wirex – dual‑stablecoin settlement in USDC and EURC for 7M+ users 🔹 U.S. Bank – testing custom stablecoin issuance on Stellar 🔹 PwC, Circle, and others – all building on Stellar’s fast, low‑cost rails Now here's the twist: Pi Network runs on a modified version of the Stellar Consensus Protocol (SCP). That same technology is now powering enterprise‑grade stablecoin infrastructure globally. And Pi has already been building toward stablecoin integration with assets like PiUSD, positioning itself closer to mainstream financial systems. With Protocol upgrades aligning Pi with Stellar Core V20 standards and products like PiVerify opening Pi's infrastructure to external businesses, the foundation is being laid. The question isn't if $PI can compete. It's when will the world notice? 👇 If MoneyGram and PayPal chose Stellar, do you think Pi could be next? Drop your take below.

⚡️JUST IN: PAYPAL EXPANDS STABLECOIN ACCESS TO 68 MORE COUNTRIES Payments giant PayPal is widening access to its dollar backed stablecoin PayPal USD, making it available in 68 additional countries, per Fortune.