Stablecoins are no longer confined to payment rails; they are evolving into the financial backbone of next-generation lending. Visa’s latest research confirms this shift, illustrating how blockchain-based credit is transitioning from niche DeFi circles into mainstream institutional 0 global payments giant’s newly released white paper signals a major milestone in the recognition of stablecoins as critical instruments for the future of global credit infrastructure. Visa’s Report Signals a New Era for On-Chain Lending Visa’s in-depth report , Stablecoins Beyond Payments: The On-Chain Lending Opportunity, explores how tokenized dollars are reshaping traditional credit 1 company notes that the on-chain lending market has already originated more than $670 billion in stablecoin loans over the past five years, with borrowing volumes reaching around $51.7 billion monthly as of 2 to Visa, programmable stablecoins, those that integrate seamlessly with smart contracts, can unlock vast potential in lending, collateralization, and credit 3 is now highlighting Ripple’s RLUSD alongside USDC & USDT in its new report on stablecoins powering on-chain lending.
It’s a sign that RLUSD built for institutions, multi-chain, and regulation-ready is stepping beyond payments into real credit market infrastructure.… 4 — 𝗕𝗮𝗻𝗸XRP (@BankXRP) October 20, 2025 The report suggests that financial institutions are beginning to view these blockchain-based assets not merely as a means of transferring value, but as the building blocks of new credit architectures that operate continuously, without the constraints of legacy 5 Ripple’s RLUSD Inclusion Is a Landmark Development Among the stablecoins analyzed in Visa’s report are USDT, USDC, and Ripple’s RLUSD — a lineup that signals a profound recognition of Ripple’s growing institutional footprint.
RLUSD, launched by Ripple in late 2024, was designed as a regulation-ready, multi-chain stablecoin aimed at meeting the liquidity and compliance demands of global financial 6 inclusion alongside market leaders USDT and USDC in Visa’s data set underscores that Ripple’s dollar-backed token is being treated as a legitimate participant in institutional credit 7 distinction suggests that RLUSD has progressed far beyond its payments-oriented origins, moving into use cases such as treasury management, institutional settlement, and on-chain lending 8 are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 As Visa frames it, the emergence of compliant, transparent stablecoins like RLUSD creates an environment in which financial institutions can safely integrate blockchain-based liquidity into their credit and risk management 9 Draws Attention to Visa’s Recognition Crypto market commentator BankXRP was among the first to spotlight Visa’s mention of RLUSD on 10 their post, BankXRP highlighted how Visa’s decision to list RLUSD alongside industry heavyweights marks a pivotal step for Ripple, positioning the company to play a deeper role in credit market 11 observation quickly gained traction among XRP supporters and industry analysts, many of whom interpreted Visa’s acknowledgment as a sign that Ripple’s stablecoin is crossing into mainstream financial consciousness — not just as a blockchain payment asset, but as a tool for real institutional liquidity.
A Glimpse Into the Future of Credit Infrastructure Visa’s research envisions a world where tokenized dollars like RLUSD anchor a 24/7, automated lending ecosystem powered by programmable 12 stablecoins serving as real-time collateral and settlement instruments, the traditional boundaries between payments, lending, and credit issuance could blur 13 Ripple, this development is validation that its strategy — integrating compliance, liquidity, and interoperability into RLUSD — is resonating with the very institutions that will define the next phase of digital 14 adoption continues along this trajectory, Visa’s acknowledgment of RLUSD could mark the start of a broader institutional embrace, where Ripple’s technology becomes a cornerstone of how global credit truly 15 : This content is meant to inform and should not be considered financial 16 views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s 17 are urged to do in-depth research before making any investment 18 action taken by the reader is strictly at their own 19 Tabloid is not responsible for any financial 20 us on Twitter , Facebook , Telegram , and Google News
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