Onchain Lending : Visa Opens VisaNet Data to Help Fintechs Borrow Against Card Settlements

crowdfundinsider.com · 2026-09-11

Onchain lending has grown into a large, always-on market. Visa’s own analytics show more than $694 billion in stablecoin-denominated loans have moved through

TickrTrends take: Visa's decision to open VisaNet data to fintechs represents an expansion of its infrastructure services beyond traditional payment processing, potentially creating new revenue streams from lending-adjacent activities. Given the company's current fairly valued assessment, investors should monitor whether this initiative generates meaningful financial contribution or primarily serves as a competitive moat to retain fintech partners within its ecosystem. The effectiveness of this strategy in converting data access into incremental earnings growth will be important for determining whether the current valuation appropriately reflects Visa's evolving business model beyond core payment volumes.

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