Creators and Freelancers Could Get Paid in Minutes as Visa Tests Stablecoin Payouts

At Web Summit in Lisbon today, Visa unveiled a pilot program that lets businesses and platforms send payouts straight to recipients’ stablecoin wallets, a move meant to speed up access to funds for creators, freelancers and gig workers around the world. Under the pilot, companies using Visa Direct will still fund payouts in fiat, but recipients can opt to receive those funds as USD-pegged stablecoins such as USDC, giving them faster access and a steadier store of value in volatile markets.

Visa framed the launch as a practical step toward “money in minutes – not days.” Chris Newkirk, Visa’s president of Commercial & Money Movement Solutions, said the program is designed to help everyone from digital creators and marketplaces to cross-border freelancers benefit from quicker, more flexible money movement. The company’s announcement says the new capability expands the reach of Visa Direct while supporting people in places where banking access is limited or national currencies are unstable.

The Timing Matters

New research cited by Visa, the Monetized: Visa 2025 Creator Economy Report, found that instant access to funds is the top reason content creators prefer digital payment methods, with 57 percent naming speed as their leading motivation. That stat underlines why faster payout rails could be compelling for platforms that pay tens of thousands of creators and gig workers on irregular schedules.

Technically, the pilot differs from an earlier Visa initiative announced at SIBOS in September. At SIBOS, Visa introduced a stablecoin pre-funding test that lets businesses use stablecoins to pre-fund Visa Direct payouts, a treasury-level change that aims to free up working capital. Today’s announcement, by contrast, puts the digital dollars directly in recipients’ wallets, enabling end users to hold, spend or convert stablecoins themselves.

Visa’s release highlights three concrete advantages the company says stablecoin payouts offer: near-instant, cross-border delivery that sidesteps banking cutoff times; the predictability of a USD-pegged value for recipients; and the transparent, auditable record of transfers that blockchain ledgers provide. The pilot will start with select partners, and Visa plans a broader rollout as demand and regulatory clarity grow, with wider access expected in 2026.

Industry observers have been watching how major payments firms incorporate crypto rails. Visa’s two-pronged approach, first letting businesses pre-fund with stablecoins and now offering recipient-facing stablecoin payouts, suggests the company is trying to marry blockchain primitives with its existing global payments network rather than replacing legacy rails outright. That strategy reflects a larger trend in fintech where established networks test tokenized money as a way to speed settlement and lower friction for cross-border flows.

A Practical Option

For platforms and recipients to participate, wallets must be compatible and users must clear standard KYC/AML checks. Visa also emphasised that, for now, corporate clients will continue to fund payouts in fiat while the conversion and delivery to stablecoins happens as part of the payout flow, an operational detail meant to ease adoption for existing Visa Direct customers.

If the pilot works as advertised, creators and gig workers who today wait days for cross-border payouts could see their money and its purchasing power arrive much faster. For regulators and banks, the experiment will likely raise fresh questions about custody, compliance and how to reconcile on-chain transparency with privacy and oversight requirements.

Visa’s messaging, however, is clear: by combining blockchain’s speed and transparency with the reach and compliance framework of a global payments network, the company hopes to make near-real-time, USD-pegged payouts a practical option for the digital economy.

Visa said it is onboarding select partners now and encouraged clients to express interest as the company prepares for broader availability next year. The pilot is the latest chapter in Visa’s effort to bridge traditional finance and tokenized money while keeping an eye on consumer convenience, regulatory progress and the realities of global payout flows.