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![jevgenijs Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::17462822.png) Jevgenijs Kazanins [@jevgenijs](/creator/twitter/jevgenijs) on x 10.9K followers
Created: 2025-07-07 16:00:17 UTC

One aspect I don’t see discussed enough in the "stablecoins vs. Visa" debate is cross-border payments. There is a reason why Visa $V reports cross-border payments as a Key Business Driver in its earnings reports.
✔️ If I use my card (issued by a bank in Estonia) in, say, the U.S., Visa has to move money from my bank in Estonia to the merchant's bank in the U.S. to settle this transaction
✔️ This involves using various payment rails and correspondent banks. Hence, cross-border payments have a surcharge (e.g. a XXX% extra charge for international cards)
✔️ Stablecoins are global. My stablecoin-denominated funds aren’t tied to any particular country and don’t need to cross borders when I use them abroad.
✔️ So stablecoins not only eliminate many of the costs associated with cross-border payments, they eliminate the need to move money across borders altogether.

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**Related Topics**
[stablecoins](/topic/stablecoins)
[money](/topic/money)
[estonia](/topic/estonia)
[visa inc](/topic/visa-inc)
[stocks financial services](/topic/stocks-financial-services)

[Post Link](https://x.com/jevgenijs/status/1942252338116166078)