During its fiscal third-quarter earnings call on July 28, digital payments behemoth Visa unveiled its most comprehensive stablecoin roadmap to yet, indicating that the largest card network in the world plans to be involved in every aspect of the digital dollar economy rather than viewing it as a side project.
Strong stats accompanied the plan. Visa exceeded expectations this quarter with net revenue of $11.6 billion, up 14% from the previous year, and profits per share of $3.32, up 11%, thanks to robust performance across all important indicators. Earnings per share increased 11% to $3.32, while net sales increased 14% to $11.6 billion. For the first time in the company’s history, quarterly payments volume crossed $4 trillion, up 10% in constant currency. This performance was driven by 72 billion completed transactions (up 10%) and a 13% rise in cross-border traffic. In addition to disclosing employment cutbacks and $563 million in severance expenses, Visa increased its full-year projection.
VISA $V Q3’26 EARNINGS HIGHLIGHTS
🔹 Revenue: $11.6B (Est. $11.39B) 🟢; +14% YoY
🔹 Adj. EPS: $3.32 (Est. $3.23) 🟢; +11% YoY
🔹 Payments Volume: +10% YoY
🔹 Cross-Border Volume Total: +13% YoYOther Q3 Metrics:
🔹 Payments Volume: +10% YoY
🔹 Cross-Border Volume Total: +13%…— Wall St Engine (@wallstengine) July 28, 2026
For cryptocurrency observers, Visa’s thorough explanation of its stablecoin goals served as the focal point. The business stated that it is “active in investing in every layer of the stablecoin stack, from blockchain, to issuance, wallets, infrastructure and orchestration, and applications,” and that it has advanced both the application and issuance levels this quarter.
Compared to the settlement-focused pilots Visa has operated for years, that stance is much more expansive. The company is now marketing itself as infrastructure covering the whole lifespan of a stablecoin transaction rather than only transferring USDC across its own systems. This strategy places it in competition with and in collaboration with the crypto-native companies who created the industry.
Concrete development this quarter was centred around OpenUSD (OUSD). With partner reserve-sharing and zero-fee minting, OpenUSD is touted as corporate infrastructure for international money transfers. Visa reiterated that it had joined the Open Standard consortium, an association of over 140 businesses.
In order to enable partners to settle with Visa in stablecoins, provide onchain wallet-as-a-service infrastructure, and transfer money between fiat and stablecoins, beginning with OpenUSD, the company launched the Visa Stablecoin Platform earlier in July. The platform will also integrate with Visa-owned Pismo to enable tokenized deposits for banking institutions. Third-party tokenized-deposit providers will be added later.
According to Visa, the platform enhances its current support for Circle’s USDC and Paxos’ USDG and is targeted at its network of about 15,000 financial institutions and over 200 million merchants.
Visa presented artificial intelligence and stablecoin as complimentary. The business stated that it thinks “agentic commerce will expand our addressable market and drive future growth,” adding that “if stablecoins are reshaping the backend of commerce, we see AI is transforming the frontend.”
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