Imagine a world where money moves as effortlessly as a meme—instant, global, frictionless. No routing codes. No waiting days. No wondering if it got there. Just tap, send, done.
That’s not a fintech fantasy. It’s the future we’re aiming to help build.
The way money moves is being rewritten. Not patched. Not upgraded. Rewritten. And it’s happening faster than most people realize. The old rails—slow, siloed, and opaque—are giving way to intelligent ecosystems that know where your money needs to go, how fast it should get there, and what it’ll cost before you hit “send.”
Welcome to the age of programmable money movement.
The Problem with Payments
Traditional payments have long-frustrated consumers and financial institutions alike. They’re fragmented across cards, bank accounts, wallets, and now digital assets. Each has its own rules, limitations, and user experience. Sending money across borders? That’s a whole other maze—currency conversions, compliance checks, delivery delays.
It’s not just inefficient. It’s exclusionary. Billions of people and businesses are left out or underserved because the system wasn’t built for them.
So, we’re changing the system.
The rise of the intelligent network
The next generation of money movement isn’t about choosing one rail over another. It’s about building a network that understands all of them—and chooses the best one for each transaction.
Intelligent orchestration works behind the scenes, like a smart logistics hub for money movement, choosing the best route every time based on speed, cost, compliance, and user preference. Card, account, token, it doesn’t matter. The system adapts.
And it’s already live. Visa Direct, for example, can reach approximately 12 billion endpoints globally. As reported in Visa’s Q4 2025 Earnings Release in FY25, Visa Direct powered 12.6 billion transactions—up 27% year-over-year, showing not just scale but accelerating adoption. That’s reach with intelligence.
Cross-border capabilities are increasingly essential
Global commerce isn’t just for multinationals. It’s for freelancers, creators, gig workers, and small businesses. They need to send and receive money across borders—fast, cheap, and reliably.
According to a Juniper Research study, the cross-border B2B payments market was an estimated $89 trillion opportunity in 2024.² But they’ve been stuck in the past. We’re changing that with delivery confirmation, FX transparency, and real-time¹ settlement. No more “check back in three days.” No more opaque fees. Just clarity and control.
Tap to P2P and Alias Payments: UX that actually works
Let’s talk user experience. Because if it’s not intuitive, it’s not inclusive.
Tap to P2P lets you send money in person with a simple tap—no cash, no codes. Alias payments let you send money using a phone number or email. No need to memorize account numbers or routing details.
These aren’t gimmicks. They’re game-changers. They make money movement feel like messaging. And that’s exactly how it should feel.
Stablecoins: Not Hype. They’re Infrastructure
Stablecoins are more than crypto headlines. They’re programmable money with real utility—especially in cross-border and treasury use cases.
We’re building secure, compliant, interoperable infrastructure to support stablecoins. Not because it’s trendy, but because it solves real problems—to deliver fast settlement, lower costs, and greater transparency.
This isn’t about replacing traditional rails. It’s about expanding the toolkit.
Platform thinking > Product thinking
To scale money movement, we need platforms, not only products. Modular, API-driven, developer-friendly platforms that let partners build on top of them.
Whether it’s embedding payments into an app, automating payouts, or launching new consumer experiences, the platform must be flexible, secure, and future-proof.
This is how we democratize innovation. By giving builders the tools to create what’s next.
Inclusion isn’t a feature. It’s the foundation
Money movement must be inclusive by design. As part of ongoing efforts, that means intuitive interfaces, multilingual support, and accessibility across devices. It also means solving for the unbanked, the underbanked, and the digitally underserved.
Inclusion isn’t a checkbox. It’s the reason we build.
The human side of payments
Behind every transaction is a story. A parent sending money to a child. A creator getting paid for their work. A small business paying a supplier.
These stories remind us that money movement isn’t just infrastructure. It’s impact.
So, as we build smarter systems, we must also build with empathy. Every feature, every decision, every partnership should be guided by the people it serves.
What’s next
The future of money movement is real-time, borderless, and intelligent. It’s powered by platforms, enriched by data, and driven by purpose.
We’re not just helping move money. We’re enabling endless possibility.
Let us build the future of money movement – together.
Disclaimers:
This presentation contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as ‘believes,’ ‘estimates,’ ‘expects,’ ‘intends,’ ‘may,’ ‘projects,’ ‘could,’ ‘should,’ ‘will,’ ‘continue’ and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties, and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise.
- Actual fund availability for all Visa Direct transactions may depend on receiving financial institution, account type, region, compliance processes, along with other factors, as applicable.
- B2B Payments to Reach $124 Trillion Globally by 2028, as Instant Payment Rails Revolutionise Cross-border Payments