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Visa's move is not actually about embracing cryptocurrency, but rather about improving the payment efficiency of stablecoins. To put it simply: in the future, when companies send money to individuals (salaries, platform settlements, cross-border remittances), they may no longer have to go through banks. Visa directly integrates stablecoins into Visa Direct, allowing funds to be transferred and credited to digital wallets 24/7, in seconds. The key is not blockchain technology itself, but the scenario: bank closing hours ≠ business halt