Wirex and Stellar have activated a Visa settlement system that uses USDC and EURC directly on-chain, reaching more than 7 million users since 18 November 2025. The launch immediately improves how payments move across the network by cutting latency, lowering operating costs and giving users clearer visibility into each transaction.
These settlements rely on stablecoins issued by Circle that are presented as compliant with the MiCA framework. MiCA’s rules on reserves, audits and consumer protections are what open the door for these assets to be used in institutional payment flows across Europe.
Technical Impact of Dual-Stablecoin Visa Settlement on Stellar
Through its principal Visa membership, Wirex can now settle card payments directly on Stellar without relying on correspondent banks or legacy clearing systems. This is what on-chain settlement means in practice. The settlement is executed and recorded straight on the blockchain, reducing the back-and-forth usually required to reconcile payments and freeing users from traditional banking cutoffs.
Stellar’s speed is one of the biggest shifts for day-to-day operations. Transactions confirm in seconds or minutes, a far cry from the three to five business days that cross-border payments often take. With faster settlement, merchants and users can manage liquidity more confidently and move funds with far fewer delays.
Cost is another major advantage. Stellar’s fees usually amount to fractions of a cent per transaction, while traditional international payments often cost between 1 and 5 percent. If adoption continues at its current pace, businesses could collectively save up to 10 billion dollars by 2030.
The added transparency also changes how companies handle compliance and accounting. Every payment settled on Stellar is visible on-chain, making it easier to track flows, submit regulatory reports and keep cleaner internal records.
Visa has broadened its stablecoin settlement program to assets like PYUSD and USDG across Ethereum, Solana and Avalanche, and has now added Stellar to the mix. The company expects more than 3 billion dollars in tokenized assets to move through Stellar before the end of 2025.
For Wirex users, the improvement is straightforward. Payments become faster, cheaper and easier to follow, blending regulated stablecoins into everyday card activity without users needing to understand the technical work behind it. Wirex stated that launching Wirex Pay natively on Stellar will help accelerate how people and businesses around the world interact with stablecoins.
The activation of USDC and EURC settlement on Stellar marks a shift toward systems that value speed, cost efficiency and transparency over older banking rails. The next objective will be tracking whether Stellar reaches the projected 3 billion dollars in tokenized volume before the end of 2025, a milestone that will help measure the real operational impact of this integration.
