Crypto Researcher SMQKE shared an update indicating Visa’s ongoing involvement in digital currency initiatives, including references to RippleNet and the Interledger Protocol (ILP) as possible mechanisms for interoperability in its settlement platform.
This development adds to a broader pattern of Visa engaging with cryptocurrency services and infrastructure providers to expand its role beyond traditional payment processing.
Visa has previously taken steps to integrate cryptocurrency usage through direct partnerships and network access. One example provided in the documentation shared by SMQKE shows Visa granting principal membership status to the cryptocurrency exchange Coinbase.
This membership enables Coinbase to issue debit cards that allow customers to spend their holdings of bitcoin, ether, and XRP at any merchant that accepts Visa. The arrangement removes intermediaries from the process of converting crypto to fiat at the point of sale.
Coinbase thus becomes the first cryptocurrency company permitted to issue Visa debit cards not only for its customers but also potentially for other firms, including traditional financial service providers.
XRP
VISA
https://t.co/TqSal7lanJ pic.twitter.com/PyEaShTSQ2
— SMQKE (@SMQKEDQG) August 4, 2025
The Visa Digital Currency Settlement Platform and Interoperability Models
The second image attached by SMQKE details an analysis of Visa’s Digital Currency Settlement Platform.
According to the information presented, Visa envisions the platform as an interoperability layer connecting central bank digital currencies (CBDCs), public cryptocurrencies, and legacy financial systems. While the exact countries participating were not specified in the document, Visa was listed as the main organization involved.
The analysis highlights three interoperability methods under consideration: APIs, bridges, and other options.
Specifically, Visa identified the Universal Payments Channel (UPC), RippleNet, and the Interledger Protocol as examples of frameworks that could enable seamless transfers across different types of digital assets and settlement networks. RippleNet is Ripple’s global payments network designed for faster, lower-cost cross-border transactions.
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The Interledger Protocol allows for interoperability between disparate ledgers by facilitating the routing of payments without requiring all participants to adopt the same underlying technology.
Effect on XRP and the Broader Payments Ecosystem
The inclusion of RippleNet and Interledger Protocol in Visa’s exploration of settlement solutions suggests an interest in expanding the ability to settle transactions involving XRP and other digital currencies.
While the documentation reviewed by SMQKE does not specify implementation timelines or definitive commitments, the listing of Ripple’s infrastructure alongside Visa’s Universal Payments Channel indicates that Ripple technology is recognized as a viable interoperability option.
This approach aligns with Visa’s strategy of positioning itself as a central hub to bridge traditional payment methods with emerging digital assets. The focus on interoperability underscores Visa’s recognition that future payments systems may depend on the ability to route value across multiple networks, including CBDCs, cryptocurrencies, and conventional card rails.
Crypto Researcher SMQKE’s tweet, accompanied by the two referenced documents, emphasizes Visa’s strategic efforts to integrate digital currencies into its settlement capabilities.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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