V | Weekly | Haru Insights

Visa’s $20 billion annualized stablecoin settlement run rate across nine blockchains and 160 live programs solidifies its role as the de facto backbone of the onchain finance economy, marking a structural shift in digital payments infrastructure.
Visa’s launch of the Trusted Agent Protocol—enabling AI-driven commerce by issuing signed credentials for AI shopping assistants—positions the company as the foundational trust layer in the emerging era of agentic transactions.

Visa is building an ironclad moat by transforming into the trusted gatekeeper of AI-powered commerce, where its infrastructure becomes essential to the legitimacy and scale of automated transactions.
The explosive growth of Visa’s Value-Added Services—now 30% of revenue and expanding at 34% in constant dollars—signifies a successful pivot to high-margin, tech-driven revenue streams that decouple growth from transaction volume alone.
Visa’s deep integration into the institutional-grade Arc L1 blockchain via validator node participation cements its role as a sovereign enabler of digital money, giving it unmatched influence over the rules and flows of next-generation finance.
The $2.4 billion acquisition of BioCatch and aggressive push into AI-driven fraud prevention underscore a proactive defense strategy, turning security into a core competitive advantage in a high-risk digital economy.
Visa’s relentless innovation engine—evidenced by 300+ product releases in a year and 150+ live AI-powered apps—proves its ability to evolve rapidly, reinforcing its dominance beyond traditional card processing into the architecture of digital commerce.

Visa Inc. (V)[Tv]