Visa don launch stablecoin lending prefunding via Visa Direct
Visa don launch stablecoin lending prefunding services through their Visa Direct platform, wey show say dem dey expand strategy for on-chain lending infrastructure. According to Visa report, stablecoin lending don reach $670 billion since 2020, with monthly loans for August 2025 reach $51.7 billion and over 81,000 active borrowers. USDC and USDT dey rule the market, and DeFi platforms like Aave and Compound make up 89% of on-chain lending volume. Visa no go issue tokens or fund loans but e go provide data, compliance, APIs and settlement rails wey connect banks and credit funds with programmable lending protocols. Big projects like Morpho, Credit Coop and Huma Finance don already dey give competitive yields—4–5% USDC loans, 12–15% merchant financing and over 10% cross-border working capital financing. The report highlight future growth opportunities from tokenized real-world assets, crypto-backed credit cards and on-chain identity lending, wey go open road for 24/7 transparent credit market wey go connect traditional finance and digital assets.
Bullish
Visa enter stablecoin lending prefunding through e global payments network dem legitimize on-chain lending and e fit drive higher DeFi volume. Short term, dis move go boost transaction throughput and liquidity for USDC and USDT, e go benefit protocols like Aave and Compound. Long term, institutional infrastructure like APIs, compliance, and settlement rails go reduce friction and expand di market wey programmable money fit reach, e go reinforce di bullish sentiment for stablecoin and DeFi sectors.