How Are Banks, Card Networks, and Payment Processors Adapting to Stablecoins?

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The Mastercard-BVNK deal, the multi-bank coalition exploring a G7-linked digital currency, and the GENIUS Act’s framework all reflect the same underlying reality: stablecoins are no longer a peripheral experiment. The question now is not whether traditional financial institutions will engage, but how much of the new infrastructure they will own versus bridge to.

Other stablecoin research

• Survey: 50% of U.S. Consumers Open to Paying With Stablecoins
• Payment processing fees: stablecoins, credit cards, debit cards, and BNPL
• Which companies accept stablecoin payments?
• Which Stablecoins Are the Largest and Most Popular in 2025?
• Stablecoin Reserves Versus Brokerages and Banks: Which Holds More in 2025?

Sources

• Bloomberg (2026). “Stablecoin Transactions Rose to Record $33 Trillion in 2025.”
• Congressional Research Service (2025). “Stablecoin Legislation: An Overview of S. 1582, GENIUS Act of 2025.”
• Federal Reserve Bank of Atlanta (2026). “Sorting Through the Issues Surrounding Stablecoin.”
• JPMorgan. “Deposit Tokens.”
• Mastercard (2025). “Bringing real utility and global scale to stablecoins.”
• Mastercard (2026). “Mastercard launches new Crypto Partner Program.”
• Mastercard (2025). “Mastercard unveils end-to-end capabilities to power stablecoin transactions – from wallets to checkouts.”
• Mastercard (2026). “Mastercard to acquire BVNK to connect on-chain payments and fiat rails.”
• Morph (2026). “The State of Stablecoins 2026.”
• The Nilson Report (2026). “Mastercard and Visa Cards Reach $10 Trillion in Spending in 2025.”
• Visa (2025). “Visa’s role in stablecoins.”
• Wall Street Journal (2025). “Big Banks Explore Venturing Into Crypto World Together With Joint Stablecoin.”

About the Author

Jack Caporal is the Research Director for The Motley Fool and Motley Fool Money. Jack leads efforts to identify and analyze trends shaping investing and personal financial decisions across the United States. His research has appeared in thousands of media outlets including Harvard Business Review, The New York Times, Bloomberg, and CNBC, and has been cited in congressional testimony. He previously covered business and economic trends as a reporter and policy analyst in Washington, D.C. He serves as Chair of the Trade Policy Committee at the World Trade Center in Denver, Colorado. He holds a B.A. degree in International Relations with a concentration in International Economics from Michigan State University.

TMFJackCap

Bank of America is an advertising partner of Motley Fool Money. Citigroup is an advertising partner of Motley Fool Money. JPMorgan Chase is an advertising partner of Motley Fool Money. Jack Caporal has positions in PayPal. The Motley Fool has positions in and recommends Amazon, Goldman Sachs Group, JPMorgan Chase, Mastercard, PayPal, and Visa. The Motley Fool recommends Barclays Plc and Coinbase Global and recommends the following options: short June 2026 $50 calls on PayPal. The Motley Fool has a disclosure policy.

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