Principal Member
Direct access to Visa’s core network
Independent issuing, acquiring and clearing
Settle directly with Visa
Stronger control over compliance, processing and ecosystem expansion
[ VistaPay ]
Built for humans and AI Agents
A global digital payment network.
Global digital payment network
Agent-native execution
Real-world payments
Core scenarios
Payments & stablecoin infrastructure
Built on payments, stablecoins, capital flow and liquidity infrastructure
Payment network
A global payment network with a certified partner ecosystem, covering card payments and merchant acceptance with standardized network capabilities.
Stablecoin foundation
Stablecoin infrastructure with a transparent reserve institution network, supporting cross-border payment rails and compliant capital movement.
Capital flow
A capital-flow orchestration layer that unifies payment rails, smart contracts, reserve funds and banking integrations.
Stablecoin foundation
A trading and liquidity access layer for Binance ecosystem users, offering lower-friction asset onboarding and trading access.
VISA
Network capabilities
Two independent Visa qualifications covering issuing, settlement and next-generation capital movement.
VISA Direct
Positioned within Visa’s next-generation capital movement
Connecting future-facing payment rails and clearing
Covering digital currency, cross-border payouts and wallet reach
The only digital currency pilot in Asia-Pacific
Ecosystem connection
VISTAPAY ecosystem
Connecting payment, stablecoin, virtual banking, wallet custody, liquidity and global capital-flow ecosystems.
Core scenarios
One network,multiple payment paths.
From personal spending to machine-triggered payments, VISTAPAY organizes its capabilities around high-frequency real-world payment actions.
18-country QR scan payment
Access the local QR payment experience common across five markets.
Receive & transfer
Supports fund movement between VISTAPAY accounts, same-name transfer paths and external on-chain addresses.
Visa & Mastercard global network
Virtual cards open instantly; physical cards support ATM withdrawals.
AI Agent dedicated dual-rail payment channel
VISTAPAY gives AI Agents an independent payment identity.
Local coverage
National QR payment network
Connect VISTAPAY stablecoin balances to local QR payment scenes — from scanning, confirming rates and amounts, to completing payment — as smoothly as local fiat.
Scan QR code
Transfer by scanning QR code
Scan to pay
Scan to pay with the VISTAPAY App
VISTAPAY handles routing, FX and merchant settlement
Merchant
Why VISTAPAY
Not just a wallet and transfers,but serving both people and AI Agents.
From personal spending to machine-triggered payments, VISTAPAY organizes its capabilities around high-frequency real-world payment actions.
A real stablecoin operating account
Not just a wallet, but a balance, bookkeeping, permission and control system for long-term personal and business operations.
Account-level control layer
Manage roles, limits, approvals and risk controls before funds move.
AI Agent dual-rail payments
X402 protocol — agent purchases, API calls and micro-settlement, on-chainAgent-specific credit card — identity-bound payments for agents buying physical goods
Built-in crypto payment ecosystem
Bring travel, spending, wealth and on-chain services directly into the VistaPay account layer
Local coverage
Spend globally with the U Card
Apply for a virtual or physical U Card and spend your stablecoin balance directly on the Visa and Mastercard networks.
Dual-mode issuing
- Virtual cards open instantly
- Physical cards support ATM withdrawals
Global card network
Visa and Mastercard merchant acceptance network
Direct stablecoin balance
Spend directly from your VISTAPAY stablecoin balance
Scenarios for people & Agents
- Cross-border travel and everyday retail
- Online subscriptions and shopping
- Agents executing real-world purchases
Security & compliance
Compliance first,security foremost.
VISTAPAY builds operational controls, regulatory readiness and wallet security before extending payment coverage.
Security architecture
MPC wallet architecture
Hot/cold wallet isolation
Custody-integrated wallet authorization
Compliance framework
Three-tier KYC / KYB verification
AML and sanctions screening
United States MSB licensed compliance framework
Bridge virtual bank same-name transfer path
FAQ, all at once.
Get the positioning and availability clear before you decide to start.
How to get the VISTAPAY App?
The VISTAPAY App supports iOS and Android. iOS users can download on the App Store; Android users on Google Play.
How do AI Agents pay via VISTAPAY?
VISTAPAY uses a dual-rail model: one on-chain path for tokens, APIs and micro autonomous settlement, the other an agent-specific card path for real-world goods.
Is VISTAPAY a wallet or an account?
At its core is a stablecoin operating account. Wallet capability is just one part; fuller is the account, permissions, payment and clearing system.
Who is VISTAPAY for?
VISTAPAY is designed for both human users and AI Agents, integrating personal spending, operating accounts and agent payment channels into one network.