Stablecoins Rise to Potentially Replace Credit Cards
Written by Emily J. Thompson, Senior Investment Analyst
Updated: May 02 2026
0mins
Should l Buy V?
Source: NASDAQ.COM
- Reduced Transaction Costs: The adoption of stablecoins lowers global money transfer costs to an average of 6.5%, enhancing consumer payment experiences by minimizing fees and accelerating settlement times, which could fundamentally alter global payment methods.
- Massive Market Potential: A report from Chainalysis predicts that stablecoin transaction volumes could surpass those of Visa and Mastercard between 2031 and 2039, with adjusted volumes expected to grow from $28 trillion in 2025 to between $719 trillion and $1.5 quadrillion by 2035, indicating a staggering growth potential of over 5,000%.
- Ethereum's Key Role: As the dominant platform for stablecoins, Ethereum accounts for over half of the circulating stablecoins, and if stablecoins thrive in the next decade, it will likely lead to increased network usage and transaction fees, thereby boosting Ethereum's price.
- Payment Companies' Strategic Moves: Visa and Mastercard are piloting stablecoin settlement programs, leveraging their market presence alongside blockchain technology, which underscores the payment industry's focus on stablecoins, despite the challenges of transforming the global payments infrastructure.
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Analyst Views on V
Wall Street analysts forecast V stock price to rise
25 Analyst Rating
23 Buy
2 Hold
0 Sell
Strong Buy
Current: 321.280
Low
330.00
Averages
406.59
High
450.00
Current: 321.280
Low
330.00
Averages
406.59
High
450.00
About V
Visa Inc. is a global payments technology company. It facilitates global commerce and money movement across more than 200 countries and territories among a global set of consumers, merchants, financial institutions and government entities through technologies. It operates through the Payment Services segment. It provides transaction processing services (primarily authorization, clearing and settlement) to its financial institution and merchant clients through VisaNet, its proprietary advanced transaction processing network. It offers a range of Visa-branded payment products that its clients, including nearly 14,500 financial institutions, use to develop and offer payment solutions or services, including credit, debit, prepaid and cash access programs for individual, business and government account holders. It also provides value-added services to its clients, including issuing solutions, acceptance solutions, risk and identity solutions, open banking solutions and advisory services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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See More
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- Transaction Volume Growth: Visa's transaction volume rose 9% year-over-year in fiscal Q2 2026, indicating resilient consumer spending despite rising energy prices due to geopolitical tensions and concerns about a global recession.
- Revenue and Earnings: The adjusted earnings per share increased by 20% year-over-year, while revenue grew by 17%, reflecting Visa's benefit from the ongoing shift from cash to card payments, with e-commerce growth suggesting ample room for future expansion.
- Cross-Border Performance: Visa's cross-border transaction volume increased by 12% year-over-year, demonstrating the company's strong growth capabilities both domestically and internationally, despite global uncertainties, highlighting the resilience of its global business.
- Stock Buyback and Innovation: Management's buyback of 25 million shares reflects a shareholder-friendly approach, while the stablecoin card program, with 160 programs worldwide and nearly 200% year-over-year payment volume growth, provides a new growth engine for the future.
See More
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- Market Growth Potential: The value of tokenized real-world assets is projected to grow from $5.8 billion to $21.5 billion by 2025, with estimates suggesting it could reach trillions by 2030, indicating significant potential for blockchain integration into global financial infrastructure.
- On-Chain Data Integration: As an 'oracle' cryptocurrency, Chainlink aggregates and verifies data streams from various blockchains and the real world, ensuring that tokenized products are based on accurate information, thereby enhancing its application value in finance.
- Partnership Advantages: Chainlink has established extensive partnerships with major financial institutions, including the U.S. government, Visa, Mastercard, and Swift, which strengthens its market position in blockchain integration.
- Risk Management Strategy: Investors need to understand their risk tolerance and ensure that high-risk assets like cryptocurrencies constitute only a small percentage of their overall investment portfolio to achieve better asset allocation and risk management.
See More
Visa Reports Strong Q2 Earnings Growth Amid Economic Concerns
- Significant Earnings Growth: Visa's adjusted earnings per share rose 20% year-over-year in Q2 2026, with revenue increasing by 17%, demonstrating the company's resilience amid economic uncertainty, even as its stock price has fallen over 10% from its 52-week high.
- Transaction Volume Surge: The number of transactions processed by Visa increased by 9% year-over-year, with management noting that consumer spending remains strong, indicating that despite geopolitical tensions in the Middle East, Visa's operations are unaffected, showcasing the stability of its global business.
- Cross-Border Volume Increase: Visa's cross-border transaction volume grew by 12% year-over-year, reflecting the company's robust performance in international markets, which enhances its competitive position even as the global economy faces challenges.
- Innovative Product Driving Growth: Visa's stablecoin card now has 160 programs worldwide, with payment volume up nearly 200% year-over-year, providing a new growth engine for the company and further solidifying its leadership in the fintech space.
See More
Visa Reports 17% Revenue Growth in Q2 2026
- Strong Revenue Growth: Visa's revenue for Q2 2026 rose 17% year-over-year to $11.23 billion, exceeding analysts' estimates by $480 million, marking its strongest growth since 2022 and indicating robust market demand recovery.
- Earnings Per Share Increase: Adjusted EPS grew 20% to $3.31, surpassing consensus forecasts by $0.22, reflecting effective cost management and profitability, which boosts investor confidence in its future performance.
- Business Model Advantage: Visa's partnership model with banks rather than issuing its own cards allows for rapid expansion and the introduction of value-added services like cybersecurity and data analytics, enhancing its competitive edge and customer stickiness.
- Optimistic Future Outlook: Despite facing inflation and regulatory pressures, Visa raised its full-year revenue and EPS guidance and launched a $20 billion share repurchase program, with expected revenue and EPS growth rates of 11% and 18% CAGR from fiscal 2025 to 2028.
See More
Visa's Q2 Earnings Exceed Expectations
- Significant Revenue Growth: Visa's revenue for Q2 of fiscal 2026 rose 17% year-over-year to $11.23 billion, exceeding analysts' estimates by $480 million, marking the strongest revenue growth since 2022 and indicating robust market demand recovery.
- Earnings Per Share Increase: The adjusted EPS grew by 20% to $3.31, surpassing the consensus forecast by $0.22, reflecting effective strategies in cost control and revenue enhancement, which bolsters investor confidence.
- Share Buyback Program Launched: Visa announced a new $20 billion stock repurchase program aimed at enhancing shareholder value and boosting market confidence in its future growth, indicating the company's trust in its financial health.
- Long-Term Growth Outlook: Analysts expect Visa's revenue and EPS to grow at CAGRs of 11% and 18% from fiscal 2025 to 2028, and despite facing inflation and regulatory pressures, its strong market position and business model suggest it remains a valuable investment for the future.
See More
Buffett's Stable Investment Choices
- Credit Card Payment Growth: U.S. retail spending rose 3.7% last quarter despite rising prices, with Visa reporting a 9% increase in total payment volume, driving a 17% year-over-year revenue growth, indicating a sustained consumer reliance on credit cards and reflecting potential economic recovery.
- VeriSign's Stability: VeriSign achieved $1.66 billion in revenue last year, up 6.4%, with net income of $8.81 per share; while growth is slow, its monopoly in global domain management ensures long-term profitability and resilience against economic fluctuations.
- Coca-Cola's Consistent Returns: Coca-Cola, as Berkshire's third-largest holding valued over $30 billion, boasts a 64-year track record of consecutive dividend increases, demonstrating strong cash flow capabilities that provide stable support for investments during economic uncertainty.
- Buffett's Investment Philosophy: Although Buffett stepped down as CEO last year, his investment choices continue to dominate Berkshire's portfolio, emphasizing the importance of quality investing amidst market volatility and encouraging investors to focus on long-term value.
See More
