Visa has made a significant leap in embracing blockchain technology. In January 2026, the global payments leader launched a comprehensive global stablecoin settlement system that operates across multiple blockchains. This move signifies a shift in traditional finance from experimenting with blockchain to actively implementing it on a large scale.
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Visa has transitioned beyond pilot programs to establish a full-scale global stablecoin settlement system across various blockchains.
Ethereum remains the primary layer for security and liquidity,… pic.twitter.com/398ntYQZxc
— CryptosRus (@CryptosR_Us) January 31, 2026
This system processes over $3.5 billion in annual settlement volume, making it one of the largest real-world blockchain implementations by a traditional financial institution.
Ethereum Continues to Lead
Visa’s strategy heavily relies on Ethereum, especially for high-value and secure transactions due to its robust security features and deep liquidity.
Despite Ethereum’s importance, Visa has adopted a multi-chain approach to enhance speed, cost-effectiveness, and flexibility, allowing them to match each blockchain with the most suitable transaction type.
Distinct Roles for Each Blockchain
Visa currently settles stablecoin payments across four blockchains: Ethereum, Solana, Stellar, and Avalanche.
Ethereum is utilized for transactions requiring maximum security. Solana and Avalanche support quick, institutional-grade settlements where speed is crucial. Stellar is focused on enterprise applications and cross-border payments.
By distributing transactions across multiple networks, Visa avoids congestion and enhances reliability, enabling more efficient support for global payment requirements.
Visa’s Interest in Arc Blockchain
Looking ahead, Visa is exploring further opportunities. The company is collaborating on Arc, a new Layer 1 blockchain designed for payments by Circle. Although still in the testnet phase, Visa plans to operate a validator and settle USDC directly on the network upon its launch.
This move could accelerate enterprise payments, reduce costs, and demonstrate Visa’s long-term dedication to blockchain-based settlement.
Transitioning from Trials to Real Implementation
Visa’s progress with stablecoins represents a significant shift in traditional finance. Banks and payment providers are now moving beyond small-scale experiments to deploying blockchain systems in practical operations.
While faster blockchains are gaining traction, Ethereum remains the backbone of the system due to its reliability and liquidity. Together, this multi-chain structure showcases how blockchain is evolving into a fundamental component of global payments in 2026.