5 Facts about Visa’s $11.1 Quadrillion Stablecoin Explosion: Global Credit Revolution Begins?

Jakarta, Pintu News – Stablecoin technology is no longer just a means of payment in the crypto world, but is starting to become the foundation of a new global credit system. This is highlighted in Visa’s report titled “Stablecoins Beyond Payments: The Onchain Lending Opportunity”. In the report, Visa states that stablecoins are now at the intersection of payments, lending, and capital markets.

According to Visa, the volume of stablecoin-based lending has surpassed $670 billion in the past five years, signaling a major transformation in the global blockchain-based financing system.

1. Stablecoin Lending Hits IDR11 Quadrillion, Explodes in Last 5 Years

According to Visa ‘s official report, more than $670 billion in loans have been made denominated in stablecoins over the past five years. This growth represents a drastic change in the way the global financial system provides access to capital.

According to Visa, there are currently more than 81,000 active borrowers utilizing blockchain-based lending every month, with monthly volume reaching $51.7 billion .

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2. Stablecoins Bridge Traditional Markets and DeFi

Visa explains that stablecoins are at a strategic intersection of three major markets: payment systems, lending, and capital markets. With smart contract features, loan transactions can be automated and transparent.

The use of stablecoins here is not just a medium of exchange, but a liquidity tool that can connect traditional finance with DeFi (Decentralized Finance) efficiently and in real-time.

3. Visa: Stablecoins Could Be the “Programmable Money” of the Future

While adoption is still in its early stages, Visa calls stablecoins “programmable money” that could change the way global finance works. The technology enables automated instructions such as interest repayment, margin calls, or loan disbursement directly through code.

The report adds that the smart contracts used have been proven and continue to be publicly developed through the DeFi ecosystem, so their credibility continues to increase.

4. 24/7 Financial System Becomes a Reality Thanks to Blockchain

According to Visa, one of the main advantages of stablecoins is the ability to operate 24/7 without time limits like traditional banking systems. With blockchain-based infrastructure, institutions can gain cost efficiencies, full transparency, and unparalleled transaction speeds.

Visa believes that banks and financial institutions that adopt the on-chain lending system early will have a competitive advantage in the future.

5. Institutions are starting to adopt, the stablecoin market is being watched by Whale

Not only Visa, but several other major institutions are also starting to get the spotlight as they begin to adopt stablecoins. From Western Union to MoneyGram, all are starting to integrate stablecoins like USD Coin (USDC) into their systems.

Analysts also predict that the market value of stablecoins could reach $2 trillion by 2028 (based on US Treasury reports), making it one of the most talked-about crypto sectors today.

Conclusion

Data from Visa reveals that stablecoins are not just crypto hype, but are actually gaining widespread use in the digital and institutional financing ecosystem. With soaring transaction volumes and the potential for automation through smart contracts, stablecoins are poised to become the backbone of a global blockchain-based credit revolution.

With major institutional attention and positive market analysis, stablecoins will be closely monitored by investors and regulators in the next few years.

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Reference

• Kevin Helms / Bitcoin.com. Visa Sees $670 Billion Stablecoin Boom Fueling Next Global Credit Revolution. Accessed on October 27, 2025