Visa's Vision for Stablecoin and Agentic Commerce

Entrepreneurship & Small BusinessSocial Media & Digital PlatformsWeb3 & Blockchain

Visa's CEO Ryan McInerney has outlined the company's vision for stablecoin and agentic commerce, highlighting their potential for growth and innovation.

TL;DR
• Visa CEO Ryan McInerney predicts stablecoin and agentic commerce will drive growth for the company.
• The company aims to provide a critical bridge layer between real-world use cases and companies providing those services.
• Visa's value-added services business represents about 30% of total revenue.

Summary
Visa’s CEO Ryan McInerney outlined a strategy to extend the company’s services into stablecoins and agentic commerce, projecting similar revenue streams to its current card network.
• Visa aims to build a hyperscaling bridge layer that translates stablecoin usage into real‑world transactions with unit economics matching existing debit card spend.
• The company’s Visa‑as‑a‑Service model will supply blockchain, stablecoin, and agentic commerce providers with transaction, card, and account infrastructure, contributing roughly 30% of total revenue.
• Agentic commerce, where AI agents execute payments on behalf of consumers, is expected to boost B2B payment digitization, automate invoice initiation, and favor virtual cards and tokenization.
• Security, trust, and fraud protection remain central; Visa’s vast transaction data will enhance risk management as payment security demands rise.

Visa reported a 17% net revenue increase to $11.2 billion in Q2, driven by higher payment volumes and cross‑border activity, while net income rose 32% to $6 billion. The company’s acquisition of Pismo and Wells Fargo’s planned migration to its cloud‑based ledger illustrate a broader push toward core banking modernization.

The CEO emphasized that the value‑added services, fortified by AI, will sustain competitive advantages for years. By positioning itself as an essential infrastructure layer, Visa seeks to maintain its dominance while adapting to emerging payment paradigms and ensuring long‑term, ethical growth.

As the payments industry continues to evolve, it will be interesting to see how Visa's vision for stablecoin and agentic commerce plays out.