Visa+Stablecoin Card Payment
Consumer pays with a stablecoin-funded card at a traditional merchant POS terminal.
CTR (USD 10,000+)TRAVEL-RULE (USD 3,000+)ENHANCED-DUE-DILIGENCE (USD 50,000+)
Step 1 · Cardholder WalletPolicy-EnforcedBlockchain-Native
The customer taps their card — the payment begins on traditional card rails.
Cardholder initiates payment via Visa contactless tap. L4 Account (card credential, tokenized PAN) and L5 Application (Apple Pay / wallet UX) are lit. The payment begins in the traditional card network before crossing into stablecoin settlement.
Step 2 · Card → USDC InterchangePolicy-EnforcedBlockchain-Native
The correspondent bank handoff — value crosses from the card network's authorization rail to the stablecoin settlement rail.
The asymmetric interchange: value transitions from Visa's card-authorization rail to USDC settlement on Base. L3 Execution (interchange logic) and L4 Account (balance conversion) are lit. The dot-fill encoding is asymmetric — hollow (stablecoin) / filled (regulated card) — reflecting the regulatory weight difference between the two rails.
Step 3 · Merchant Wallet (Base)Code-EnforcedBlockchain-Native
The merchant receives stablecoin settlement — faster and cheaper than waiting for card-network batch settlement.
USDC arrives at the merchant's wallet on Base. The card payment has been settled in stablecoins: the merchant receives value in ~5 seconds instead of the card network's T+1 or T+2 batch cycle. L4 Account and L5 Application lit.
Resolved 3 steps across 1 chain(s). 3 threshold(s) triggered. Frameworks: Bank Secrecy Act, GENIUS Act, OFAC Sanctions Program, FATF Recommendation 16 (Travel Rule), Common Reporting Standard / FATCA.