DLT payments refer to financial transactions processed and recorded using Distributed Ledger Technology, such as blockchain. These payments bypass traditional intermediaries, enabling direct peer-to-peer value transfer. They offer advantages like faster settlement times, reduced costs, and enhanced transparency compared to conventional payment systems. DLT payments can involve cryptocurrencies, stablecoins, or central bank digital currencies.
Context
The adoption and regulatory landscape of DLT payments are frequent subjects in global financial news. Central banks and commercial institutions are actively researching and piloting DLT solutions for both wholesale and retail payment modernization. Challenges include interoperability with existing systems and ensuring regulatory compliance across diverse jurisdictions.
The Tokenized Deposit Service (TDS) extends 24/7, real-time, interest-bearing payment rails for corporate treasuries, enhancing global liquidity management and capital efficiency.
Integrating USDC and EURC as a pre-funding layer for Visa Direct accelerates cross-border settlement from days to minutes, optimizing enterprise working capital.
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