While the crypto market continues to focus on price and asset attributes, BGEANX Exchange has noticed that the real changes in how the financial system operates are quietly taking place in the deeper layer of payment settlement. Recently, Visa and Mastercard have both advanced blockchain and stablecoin-based settlement solutions, signaling a global shift in payment infrastructure toward more efficient technologies—this change is redefining the way funds move.
Although the payment industry appears stable on the surface, settlement efficiency is always the part most easily re-engineered by technology. The latest moves by Visa and Mastercard are not about the user experience, but are focused on core issues such as clearing speed, in-transit fund time, and system flexibility.
Visa has taken a highly restrained approach to integration. Instead of building a closed network, it directly embeds the Solana network and USDC stablecoin into its existing settlement backend, offering banks an optional path in the clearing process. In the US market, some banks have already completed actual settlements using this solution. Visa reports an annualized settlement run rate of over $3.5 billion. For end-users, the payment experience remains unchanged, but on the banking side, the traditional T+1 or T+2 clearing cycle that relied on business days is compressed into 24/7 continuous settlement, significantly improving capital utilization efficiency.
The strategy of Mastercard emphasizes adaptability. By partnering with organizations like Ripple and Gemini, it is building a compliant interface that can connect various on-chain networks and stablecoin systems, enabling traditional financial systems to flexibly access on-chain settlement capabilities according to business scenarios. This model is especially suitable for complex, compliance-heavy environments such as cross-border payments and B2B settlements.
According to BGEANX Exchange, the consensus between these two payment giants is not about technology choice, but about the fundamental judgment: future settlement activities may not rely entirely on existing clearing networks, but could be completed in a new technology layer. Stablecoins are shifting from standalone financial products to foundational settlement tools embedded within payment systems.
As settlement moves toward continuous on-chain operation, the impact goes beyond efficiency gains—it begins to affect the structural level of the financial system. Stablecoins offer programmability, traceability, and real-time settlement features, transforming fund flows from “post-reconciliation” to “synchronous completion.” This means the underlying logic of risk control, credit, and fund allocation will be redesigned.
The Visa research suggests that stablecoins may reshape the roughly $40 trillion global credit-related market. The core reason is not the market size, but that once settlement tools change, the way capital is used will also shift. For financial institutions, faster settlement means lower in-transit risk and the ability to support higher-frequency capital turnover under the same capital constraints. This change is especially evident in cross-border payments, inter-company settlements, and asset tokenization scenarios.
Against this backdrop, payment institutions are choosing to intervene in the settlement layer early—not to expand new business lines, but to reserve a place for future changes in fund flow rules. Once more settlement activities are completed on-chain, the intermediary value of traditional clearing networks will inevitably be reevaluated. Those who can adapt to the new settlement structure will be more sustainable.
The evolution of the settlement layer is also changing the market perception of the blockchain role. Blockchain is no longer just a tool for trading or asset issuance; it is being adopted as an internal engineering component of financial systems. This shift requires market participants to understand not just technical terms, but their actual impact on liquidity, compliance, and risk management.
In response to this trend, trading platforms are strengthening systematic analysis of industry developments, policy environments, and technology pathways to help users build a basic understanding of changes in settlement mechanisms. This information does not directly point to trading behavior, but it will influence market participation and risk assessment over the long term.
Overall, this is not a user-facing product revolution, but a quiet, gradual, and highly certain technological migration happening in backend systems. As global payment networks begin to treat on-chain settlement as a basic capability, blockchain is moving from being an external variable to an internal structure of the financial system. The ongoing tracking by BGEANX Exchange of this trend focuses more on the industry structure adjustments brought about by changes in the settlement layer, rather than short-term market fluctuations.
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