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Visa (V) posted stronger-than-expected fiscal fourth-quarter results with revenue climbing 12 percent. The results exceeded guidance and came after what analysts described as lackluster guidance in the prior quarter.

Wild stat: Visa CEO says Consumer spending on stablecoin-linked cards up 4x over the quarter.

Visa also now supports 4 stablecoins on 4x blockchains.

As part of a strong earnings season, they shared more details on their current stablecoin initiatives. 👇 pic.twitter.com/32zj2irvV7

— Simon Taylor (@sytaylor) October 29, 2025

Mizuho analyst Dan Dolev noted the quarter set up well for Visa thanks to easier year-over-year comparisons. Management’s conservative prior commentary also helped the company beat expectations.

For fiscal 2026, Visa guided for low double-digit top-line growth. Mizuho believes this guidance sets a high bar but remains achievable without negative macroeconomic surprises.

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Consumer spending continues to show strength across retail, travel, and fuel sectors. This healthy consumer backdrop supports Visa’s growth trajectory.

The bigger story emerging from the quarter centers on stablecoins. CEO Ryan McInerney revealed that stablecoin-linked Visa card spending quadrupled compared to a year ago in Q4.

Visa now operates more than 130 stablecoin-linked card issuing programs. These programs span over 40 countries worldwide.

The company plans to add support for four stablecoins running on four unique blockchains. These stablecoins represent two currencies and can be converted to over 25 traditional fiat currencies.

Visa’s Growing Crypto Infrastructure

McInerney disclosed that Visa has facilitated over $140 billion in crypto and stablecoin flows since 2020. This includes more than $100 billion in purchases where users leveraged Visa credentials to buy crypto and stablecoin assets.

Visa Direct has emerged as a major growth driver in this space. Mizuho estimates the service has grown at a compound rate of about 50 percent since 2016.

The service now accounts for up to 20 percent of Visa’s global debit volume. This represents a substantial portion of the company’s transaction base.

Becoming the Network of Networks

Mizuho analysts described Visa as potentially becoming “the stablecoin of stablecoins.” The firm views stablecoins as increasingly commoditized digital tokens pegged to fiat currencies.

Visa is positioning itself as the network connecting these various stablecoin systems. The company launched a pilot program in September to test stablecoins for cross-border payments.

This pilot gives businesses a new way to transfer money abroad more quickly. The move comes as traditional financial institutions warm to stablecoins following U.S. regulatory clarity around USD-pegged tokens.

Visa has begun enabling banks to mint and burn their own stablecoins using the Visa tokenized asset platform. This capability extends Visa’s infrastructure beyond just processing payments to facilitating stablecoin creation.

The company’s stablecoin expansion follows partnerships with crypto-native firms over recent years. McInerney’s comments on Tuesday revealed the accelerating pace of this integration.

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