{ "version": 1, "event_id": "evt_6854286a74468024", "url": "https://xiyu.news/events/evt_6854286a74468024/", "json": "https://xiyu.news/api/events/evt_6854286a74468024.json", "type": "other", "status": "monitoring", "category": "crypto", "title": { "zh": "Visa将VisaNet数据接入链上借贷以支持稳定币卡业务", "en": "Visa combines VisaNet data with onchain lending to power stablecoin card working capital" }, "current_state": { "zh": "Visa正在将VisaNet结算数据与基于区块链的借贷相结合，帮助与稳定币关联的卡项目和金融科技公司获取营运资金；该模式自2023年以来已融资超过25亿美元的结算量，Visa的稳定币结算量年化率已超过200亿美元。", "en": "Visa is combining VisaNet settlement data with blockchain-based lending to help stablecoin-linked card programs and fintechs access working capital; the model has financed over $2.5 billion in settlement volume since 2023, and Visa's stablecoin settlement volume has risen to an annualized rate above $20 billion." }, "first_seen_at": "2026-09-08T16:47:09.869856+00:00", "last_updated_at": "2026-09-08T22:53:14.440258+00:00", "last_material_change_at": "2026-09-08T22:53:14.440258+00:00", "confidence": 0.75, "updates_count": 2, "sources_count": 3, "entities": [ "card", "lending", "onchain", "onchain-lending", "programs", "stablecoin", "taps", "visa", "visanet" ], "identifiers": [], "topics": [ "crypto-cards", "onchain-lending", "visa" ], "updates": [ { "update_id": "upd_1437a94c7cdaa472", "event_id": "evt_6854286a74468024", "occurred_at": "2026-09-08T14:29:14Z", "published_at": "2026-09-08T14:29:14Z", "first_seen_at": "2026-09-08T16:47:09.869856Z", "time_precision": "published", "update_type": "initial", "material_change": true, "title_zh": "Visa将VisaNet数据接入链上借贷以支持稳定币卡业务", "title_en": "Visa combines VisaNet data with onchain lending to power stablecoin card working capital", "what_changed_zh": "Visa于周二宣布，将VisaNet结算数据与基于区块链的借贷基础设施结合，使贷款方可以利用交易记录为与稳定币挂钩的卡项目的营运资金需求提供融资。Visa将Credit Coop列为早期案例；该协议自2023年以来已累计融资超过25亿美元的结算量。\n\n此举将链上信贷与主流卡支付结算连接起来，标志着机构采用的重要一步，使去中心化借贷实际扩展到加密原生市场之外。若进展顺利，可为金融科技公司和卡项目更便捷地提供营运资金，并增强稳定币在现实商业中的地位。\n\nVisa表示，其网络上的稳定币结算量已超过200亿美元的年化运行率，是去年同期的15倍以上；在160多个卡项目中，与稳定币相关的支付量同比上涨近200%。Visa还援引其分析面板称，自2020年以来，链上借贷协议已处理超过6940亿美元的稳定币贷款。", "what_changed_en": "Visa is opening its settlement data to blockchain lenders to finance stablecoin card working capital as volumes surge.", "current_state_zh": "Visa于周二宣布，将VisaNet结算数据与基于区块链的借贷基础设施结合，使贷款方可以利用交易记录为与稳定币挂钩的卡项目的营运资金需求提供融资。Visa将Credit Coop列为早期案例；该协议自2023年以来已累计融资超过25亿美元的结算量。\n\n此举将链上信贷与主流卡支付结算连接起来，标志着机构采用的重要一步，使去中心化借贷实际扩展到加密原生市场之外。若进展顺利，可为金融科技公司和卡项目更便捷地提供营运资金，并增强稳定币在现实商业中的地位。\n\nVisa表示，其网络上的稳定币结算量已超过200亿美元的年化运行率，是去年同期的15倍以上；在160多个卡项目中，与稳定币相关的支付量同比上涨近200%。Visa还援引其分析面板称，自2020年以来，链上借贷协议已处理超过6940亿美元的稳定币贷款。", "current_state_en": "Visa is opening its settlement data to blockchain lenders to finance stablecoin card working capital as volumes surge.", "detailed_summary_zh": "Visa is opening its settlement data to blockchain lenders to finance stablecoin card working capital as volumes surge.", "detailed_summary_en": "Visa is opening its settlement data to blockchain lenders to finance stablecoin card working capital as volumes surge.", "background_zh": "VisaNet是Visa的全球支付处理网络，负责卡交易的授权、清算和结算。与稳定币挂钩的卡项目允许用户用USDC或USDT等稳定币在商户消费，底层价值在结算时转换为法定货币。Visa正越来越多地与稳定币基础设施整合，还加入了计划发行OpenUSD稳定币的OpenStandard联盟。通过将VisaNet结算数据输入区块链借贷协议，贷款方在信贷审核中可获得额外的可信数据源。", "background_en": "VisaNet is Visa's global payment processing network that handles authorization, clearing and settlement for card transactions. Stablecoin-linked card programs let users spend stablecoins like USDC or USDT at merchants, with the underlying value converted to fiat at settlement. Visa is increasingly integrating with stablecoin infrastructure; it has also joined OpenStandard, a consortium planning to issue the OpenUSD stablecoin. By feeding VisaNet settlement data into blockchain lending protocols, lenders gain an additional, trustworthy data source for underwriting credit.", "community_discussion_zh": "", "community_discussion_en": "", "market_impact_zh": "主要的传导渠道属于运营和基础设施层面：将Visa结算数据与链上信贷相结合，可能会提高稳定币交易量、增加USDC和USDT等支付类稳定币的使用，并可能加深对用于结算的区块链的需求。实际市场结果取决于贷款方采纳情况和项目增长，而非任何直接的资产买卖信号。", "market_impact_en": "The primary transmission channel is operational and infrastructure-based: linking Visa settlement data to onchain credit could raise stablecoin transaction volumes, increase usage of payment-focused stablecoins such as USDC and USDT, and potentially deepen demand for the blockchains used in settlement. Actual market outcomes remain contingent on lender adoption and program growth, not on any direct asset buying or selling signal.", "importance_score": 7.5, "references": [ { "url": "https://cointelegraph.com/news/visa-stablecoin-blockchain-lending-payment-settlement", "title": "Visa Expands Stablecoin Strategy with Blockchain Lending" }, { "url": "https://coin360.com/news/visa-visanet-onchain-stablecoin-lending", "title": "Visa Taps VisaNet Data for Onchain Stablecoin Lending" }, { "url": "https://www.cryptobreaking.com/visa-adds-on-chain-credit/", "title": "Visa Adds On-Chain Credit to Expand Stablecoin Card Push" } ], "confidence": 0.75, "story_ids": [ "rss:www.coindesk.com_arc_outboundfeeds_rss_:6c5fb03dc4a63806", "rss:cointelegraph.com_rss:efd007e32be6fa65" ], "sources": [ { "url": "https://www.coindesk.com/business/2026/09/08/visa-opens-settlement-data-to-help-blockchain-lenders-finance-crypto-cards-as-volume-surges", "label": "CoinDesk", "source_type": "rss", "official": false }, { "url": "https://cointelegraph.com/news/visa-stablecoin-blockchain-lending-payment-settlement?utm_source=rss_feed&utm_medium=rss&utm_campaign=rss_partner_inbound", "label": "Cointelegraph", "source_type": "rss", "official": false } ] }, { "update_id": "upd_c78d2f0ab0ad5c8e", "event_id": "evt_6854286a74468024", "occurred_at": "2026-09-08T18:16:04Z", "published_at": "2026-09-08T18:16:04Z", "first_seen_at": "2026-09-08T22:53:14.440258Z", "time_precision": "published", "update_type": "confirmation", "material_change": true, "title_zh": "Visa 借助链上借贷为稳定币卡项目提供资金", "title_en": "Visa Taps Onchain Lending to Finance Stablecoin Card Programs", "what_changed_zh": "Visa宣布其稳定币结算量年化率已超过200亿美元，与Credit Coop的早期融资模式自2023年以来支持了超过25亿美元的累计结算量，且零违约。", "what_changed_en": "Visa announced that its stablecoin settlement volume has exceeded a $20 billion annualized rate, and an early financing model with Credit Coop has supported more than $2.5 billion in cumulative settlement volume since 2023 with zero defaults.", "current_state_zh": "Visa正在将VisaNet结算数据与基于区块链的借贷相结合，帮助与稳定币关联的卡项目和金融科技公司获取营运资金；该模式自2023年以来已融资超过25亿美元的结算量，Visa的稳定币结算量年化率已超过200亿美元。", "current_state_en": "Visa is combining VisaNet settlement data with blockchain-based lending to help stablecoin-linked card programs and fintechs access working capital; the model has financed over $2.5 billion in settlement volume since 2023, and Visa's stablecoin settlement volume has risen to an annualized rate above $20 billion.", "detailed_summary_zh": "Visa is using VisaNet settlement data and blockchain records to help lenders finance stablecoin-linked card programs, with over $2.5 billion in settlement volume supported since 2023.", "detailed_summary_en": "Visa is using VisaNet settlement data and blockchain records to help lenders finance stablecoin-linked card programs, with over $2.5 billion in settlement volume supported since 2023.", "background_zh": "", "background_en": "", "community_discussion_zh": "", "community_discussion_en": "", "market_impact_zh": "", "market_impact_en": "", "importance_score": 7.0, "references": [], "confidence": 0.95, "story_ids": [ "rss:decrypt.co_feed:83a3ed2d3b12b850" ], "sources": [ { "url": "https://decrypt.co/377696/visa-onchain-lending-finance-stablecoin-card", "label": "Decrypt", "source_type": "rss", "official": false } ] } ] }