Observed Signal · Sep 30, 2026 · Market Signal · Source: Lloyds Bank plc · Impact: 4/5
Lloyds and Visa test faster, round-the-clock cross-border settlement using stablecoins
Lloyds Banking Group and Visa have completed a live pilot exploring how stablecoin-based settlement could support faster, more transparent and flexible cross-border transactions - modernising the way money moves around the world.
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Lloyds and Visa test faster, round-the-clock cross-border settlement using stablecoins
Lloyds Banking Group and Visa have announced a test of faster, round-the-clock cross-border settlement using stablecoins, marking a significant step in digital asset adoption.
Visa launches Stablecoin Platform
Visa has launched the Visa Stablecoin Platform, a managed-service offering that enables banks and fintechs to mint, move, and manage stablecoins using Visa’s rails. The platform will initially support Open USD, a token backed by a 140-member consortium that includes BlackRock, Stripe, and Coinbase. The market reacted the same day: Circle’s stock fell about 6%, Coinbase fell about 4.5%, and Visa’s stock rose about 2%. The newsletter also highlights unrelated fintech news in the same edition — Ramp unveiling a Free LLM Router and Nubank obtaining a bank licence in Brazil — but the central item is Visa’s entry into stablecoin infrastructure and the potential shift in who captures value in the stablecoins market.
Visa, Stripe Launch Open USD Stablecoin
A coalition of 140 companies including Visa, Mastercard, Stripe, BlackRock, BNY Mellon, Coinbase, Shopify, Rakuten and DoorDash launched Open USD, a new dollar‑pegged stablecoin that inverts traditional economics so partners who drive adoption capture nearly all reserve yield rather than the issuer. Open USD promises zero mint and redemption fees and no volume caps. The move rattled markets—Circle’s stock fell sharply after the announcement—and prompted discussion that major banks, including JPMorgan, are assembling a rival stablecoin bloc. The article frames Open USD as a potential reshaper of payments and stablecoin economics while noting institutional resistance and several signals to watch for its adoption or fragmentation.
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