Crypto no longer sits in the margins of tech conferences or whitepapers. It is now part of boardroom discussions, product rollouts, and payment infrastructure in real-world commerce. What was once a playground for developers and early adopters has started crossing over into the actual operating systems of modern business. Whether through direct acceptance of digital payments or the deployment of stablecoin-backed services, mainstream companies are aligning themselves with blockchain in ways that serve customers and not just coders. This reflects a calculated recognition that crypto is becoming an operational advantage, and that industry giants have crypto-themed plans for the future. When Corporations Start Speaking Crypto The speculative nature of cryptocurrencies are being replaced by something more durable: integration. Real integration. In the past month alone, Coinbase struck a deal with Shopify to embed USDC payments directly into merchant checkouts. Not as an experiment: this is a feature now. That’s not just a fintech story. That’s a supply chain story, a global commerce story, and a retail UX shift happening in real time. Then came Stellar and PayPal, with the latter launching a stablecoin on the Stellar network. PayPal isn’t dabbling here. It’s not whiteboarding what-ifs. It’s building on-chain infrastructure to serve its user base. This kind of move signals intent, and not just theoretical plans that seemed too far-fetched, like they once were several years ago. Amazon and Walmart are among large multinational companies which have recently discussed issuing their own stablecoins in the US, the Wall Street Journal reports https://t.co/jFMLkas0w3 — Bloomberg (@business) June 13, 2025 Interestingly, top brands that are global names and used worldwide on a daily basis also seem to be keen on leveraging blockchain tech. Reports now confirm Amazon and Walmart are actively exploring stablecoins as a way to cut billions in credit card transaction fees. If that becomes reality, it won’t just reshape the retail payments sector, but could also sideline banks in ways the industry hasn’t seen before. Even Expedia and major airlines are weighing similar transitions. With the Senate evaluating the Genius Act , the door may open for private players to issue stablecoins legally. What this all points to is simple: crypto is being operationalized. These aren’t isolated experiments, but intentional moves by global firms who see blockchain not just as a hedge or trend but as a key part of how they do business. Naturally, utility is being looked at with interest by top institutions, which ultimately makes it the best time to stock up on projects at a good price, that could see major price increases in the coming weeks or months. Best Crypto to Buy Now - Utility Tokens That May Record Major Adoption SUBBD SUBBD rewrites the patron model in a way that rewards both the artist and the supporter. Creators publish lessons, streams, photo sets, or music directly on chain and set flexible entry tiers that unlock as fans collect the project token. Income arrives moments after purchase, removing the lengthy payout queues and large card fees common on conventional subscription sites. Holders can tip during shows, vote on upcoming content, and share revenue if they help promote a rising star. This speed turns audience enthusiasm into instant income. Utility shows in how the token moves through the entire experience. It pays for storage, secures premium bandwidth, and acts as collateral when a creator needs an advance. Smart contracts split profit automatically so that photographers, editors, and managers all receive their share at once. No spreadsheets, no waiting. The platform also builds a programmable loyalty layer. A fan who gathers points through regular viewing can unlock private coaching sessions, concert tickets, or limited-edition merchandise. These perks sit on chain, so the user can carry them to partner venues or resale markets without friction. Crypto YouTuber ClayBro also expressed his bullish views about the project on his YouTube channel, similar to many others in the recent weeks. As adoption of creator-led commerce keeps climbing within fitness, education, and live entertainment, a network that already fixes payout pain holds a strong position. SUBBD presents its token not as marketing gloss but as the mechanism that lets every participant keep more of what they earn and spend it where they like. Simplicity and fairness draw fresh audiences every day. This momentum hints at cross-platform expansion soon. Best Wallet Token Best Wallet Token underpins an all-purpose custodian that removes friction from everyday asset management. The application behaves like a familiar mobile money app while quietly routing funds across chains or layers according to price and traffic. Tap send, pick a recipient, and intelligent routing finds the cheapest path without manual gas settings or token swapping. For newcomers, this eliminates the confusion that once scared them away from on-chain activity. Holding the native token brings concrete rewards. Transaction fees inside the app drop, swap limits rise, and a priority vault opens where staking earnings are paid every hour. Token owners also receive passes to partner airdrops and early tickets to high-demand sales that normally disappear in seconds. These features encourage organic holding rather than speculative flipping. The wallet team has integrated biometric recovery so a lost phone no longer means lost funds. Keys split across cloud, device, and an encrypted shard held by the user’s chosen contact make recovery straightforward. The token pays for this insurance-like service, turning utility into peace of mind. 🔥 Over $13M Raised and Counting! 🔥Best Wallet is becoming the go-to for traders who want speed, simplicity, and early access to what matters:✅ Buy new tokens early, directly in-app✅ Buy and bridge across chains in one place✅ Full portfolio control, no clutterDownload… pic.twitter.com/0SDNVPov6v — Best Wallet (@BestWalletHQ) June 4, 2025 If volume rises, the token pool that backs instant swaps gains steady demand from real storefront activity. As more investors choose products that remove complexity while adding function, a token that fuels fee relief, secure recovery, and merchant settlement carries a case for lasting interest. Ondo Ondo focuses on moving established debt markets into transparent tokenised form. Its flagship instruments wrap short-dated United States Treasury bills, money-market notes, and investment-grade bonds inside tokens that settle in seconds. The result combines on-chain liquidity with the yield and stability that institutions already trust. This strategy is not theory. Asset managers have begun allocating idle liquidity through Ondo pools because redemptions clear faster than traditional funds and reporting is open to anyone with an explorer. Liquidity providers receive yield without banking hours, and traders gain access to collateral that holds steady during market swings. Tokenization is already scaling.“You’re starting to see that inflection point and hockey stick moment. First in cash. Now in treasuries.And the big question is: what’s next?We believe that the assets that make most sense to tokenize is stuff that people really want and is… https://t.co/BzUGoqsY3v — Ondo Finance (@OndoFinance) June 13, 2025 Price action over the past year mirrors this growing use. The token sat under $0.8 for months, then surged above $2 in January as adoption spiked. Profit-taking followed, but a stair step of support formed near ninety cents, suggesting fresh buyers view this zone as fair value. Volume also expanded during rebounds rather than drops, an encouraging sign for strength driven by use rather than hype. Utility extends past yield tokens. Ondo is finalising a permissioned credit market where underwriters post risk metrics directly on chain, cutting settlement lags that slow syndicated loans. The native asset pays for verification, oracle updates, and dispute arbitration, turning every transaction into a source of demand. If the next phase of growth in digital finance involves tying traditional instruments into open infrastructure, a platform already delivering tokenised treasuries and corporate paper looks well placed to capture that demand in the quarters ahead. Solaxy Solaxy approaches the scaling problem from a fresh angle. Instead of choosing between account-based or validator-set models, it has built a dual interpreter that can translate calls from Ethereum and messages from Solana in the same block. Developers import familiar libraries, deploy once, and the runtime places the contract where it executes fastest. Users simply approve in their wallet and receive confirmation within seconds, with costs measured in fractions of a cent. This structural choice unlocks immediate utility. Stablecoin issuers can bridge liquidity without wrapping tokens, while game studios can run high-volume micro-transactions without pushing players to another chain. Liquidity providers route orders through Solaxy to capture arbitrage between the two largest smart-contract communities. Each action requires a modest fee paid in the native token, creating steady sink pressure on supply. Solaxy is soaring through the cosmos! ☄️52M Raised! 🔥 pic.twitter.com/wjPCPzKF0j — SOLAXY (@SOLAXYTOKEN) June 16, 2025 Having raised over a whopping $52 million in its presale, SOLX token’s institutional interest has grown as well. A pilot with a regional bank demonstrates cross-border settlement of invoices between Latin America and Europe, completed in less than five minutes during peak traffic. Audit trails remain open, but proprietary data stays encrypted thanks to optional zero-knowledge modules paid for in the token. The network offers on-chain fee markets that adjust block-space price every thirty seconds, preventing sudden spikes during popular launches. Stakers who keep nodes online earn a share of those fees plus a reputation score that grants higher delegation caps. As more builders look for seamless paths between established chains, a protocol offering instant translation without wrapped substitutes stands to gain traction. Conclusion Adoption data seems to be speaking loud, as stablecoin checkouts are live, enterprise wallets simplify custody, and tokenised treasuries pull real yield on chain. Each advance converts crypto from a speculative coupon into practical infrastructure that cuts costs and opens revenue streams. Institutional desks and retail buyers now share the same guiding metric: actual use. Assets that power payments, custody, credit, and settlement stand to capture fresh flows as companies migrate fundamental processes to blockchains. The window to acquire these cryptos while valuations are low seems to open for now, but not for long. So for those looking to make huge profits on projects while the market is in correction, now would definitely be an excellent time to consider projects like the ones mentioned above. Disclaimer: This is a sponsored article and is for informational purposes only. It does not reflect the views of Crypto Daily, nor is it intended to be used as legal, tax, investment, or financial advice.
Michael Saylor’s Bitcoin treasury firm Strategy has deepened its commitment to the crypto giant with another major acquisition, this time with a billion-dollar investment. According to a June 15 filing with the U.S. Securities and Exchange Commission, Strategy has snapped up an additional 10,100 Bitcoin ( BTC ). The investment was valued at $1.05 billion, with an average purchase price was $104,080 per coin. The acquisition, which marks one of the firm’s most sizeable in recent weeks, builds on its ongoing streak of purchases and follows its earlier buy of 1,045 BTC for around $110 million on June 9, 2025. You might also like: Strategy introduced a new perpetual called Stride (STRD). Some call it genius, others say it has ‘Ponzi vibes’ Michael Saylor confirmed the acquisition in a post on X, continuing his vocal support of Bitcoin as a long-term treasury reserve asset. Strategy has acquired 10,100 BTC for ~$1.05 billion at ~$104,080 per bitcoin and has achieved BTC Yield of 19.1% YTD 2025. As of 6/15/2025, we hodl 592,100 $BTC acquired for ~$41.84 billion at ~$70,666 per bitcoin. $MSTR $STRK $STRF $STRD https://t.co/n7q77DmqCY — Michael Saylor (@saylor) June 16, 2025 With the latest purchase, Strategy cements its position as the largest corporate holder of Bitcoin, now owning 592,100 BTC acquired for approximately $42 billion. This represents about 2.98% of the total Bitcoin supply, accumulated since the firm launched its acquisition strategy in August 2020. Beyond investments, Saylor has continued his global Bitcoin advocacy, promoting adoption at both institutional and sovereign levels. Most recently, he met with Pakistan’s Finance Minister and State Minister on blockchain and crypto, Muhammad Aurangzeb and Bilal Bin Saqib, to discuss plans to integrate Bitcoin into the country’s sovereign reserve framework. Michael Saylor maintains a strong long-term bullish outlook for Bitcoin, projecting that the asset could grow by 29% annually over the coming years, with the potential to surpass $1 million in value. Read more: Michael Saylor boasts Strategy’s ‘indestructible balance sheet’
Disclosure: This article does not represent investment advice. The content and materials featured on this page are for educational purposes only. Presales are heating up in 2025, and while many chase hype, Neo Pepe Protocol is turning heads with its rare mix of meme energy and serious DeFi structure. Table of Contents 2025’s presale season intensifies: Top crypto contenders emerge BlockDAG, Dawgz secure early enthusiasm among investors Neo Pepe Protocol: Captivating investors with unconventional appeal Neo Pepe Protocol: 2025’s presale giant ready to dominate Crypto presales are blazing hot in 2025, with BlockDAG, Dawgz, and the Neo Pepe Protocol leading the charge for savvy investors. Neo Pepe Coin is especially grabbing attention, already raising over $102,000 at a compelling token price of $0.05423, clearly signaling robust early interest. The Neo Pepe Protocol, a meme-inspired DeFi venture, distinguishes itself by combining more than just meme-hype. It features full DAO governance, controlled token burns, auto-liquidity, and a community-managed treasury, striking an impressive balance between grassroots enthusiasm and tangible on-chain utility. In a year teeming with presale opportunities, the Neo Pepe Coin definitely merits close consideration. 2025’s presale season intensifies: Top crypto contenders emerge The crypto presale landscape in 2025 is experiencing explosive growth. Fueled by the rise of decentralized finance (DeFi) and an influx of innovative projects, investors must carefully sift through a variety of compelling opportunities. Neo Pepe Protocol is generating substantial buzz due to its powerful community governance model, auto-liquidity injections, controlled token burns, and strategically structured treasury. BlockDAG and Dawgz have also captured significant attention from investors. BlockDAG, Dawgz secure early enthusiasm among investors BlockDAG and Dawgz are quickly emerging as favorites among presale investors in 2025. BlockDAG has impressively secured nearly $300 million from over 22 billion token sales, buoyed by partnerships with high-profile sports franchises like Inter Milan and NBA teaser deals. It employs an attractive DAG+PoW hybrid, offers EVM compatibility, and boasts a thriving mobile mining community with over 1.5 million users. Conversely, Dawgz (also known as Dawgz AI) has cultivated a grassroots following with its compelling blend of community incentives, staking rewards, and NFT integrations, having raised between $3 million to $4 million thus far. Despite its smaller scale, Dawgz stands out with its utility-focused AI trading toolkit and multi-chain aspirations, making it an enticing, dark-horse contender. You might also like: Pi Coin holders eye safe upside in Neo Pepe ecosystem model Neo Pepe Protocol: Captivating investors with unconventional appeal The Neo Pepe Coin stands out due to its bold narrative and unconventional approach. Originating within the Memetrix, Neo Pepe symbolizes a decisive stand against centralized control, regulatory overreach, and market saturation. Supported by a fixed total supply of 1,000,000,000 NEOP tokens, this protocol prioritizes sustainability and controlled scarcity. Notable features of Neo Pepe Protocol Structured presale: Tokens gradually unlock hourly after launch, deterring large-scale sell-offs and stabilizing the market. DAO governance: Every holder actively participates in key decisions, from treasury allocation to strategic exchanges. Auto-liquidity mechanism: Automatically adds liquidity to Uniswap with a 2.5% transaction fee, permanently burning LP tokens. Transparency and security: Timelocked governance ensures thoughtful, community-driven actions. This strategic combination of ideology and functionality establishes Neo Pepe not merely as another memecoin but as a calculated, impactful crypto asset capable of reshaping the market. Neo Pepe Protocol: 2025’s presale giant ready to dominate Prepare for impact, Neo Pepe Protocol is transforming the crypto landscape. Built for ultimate transparency and trust, the protocol is backed by top-tier audits, consistent security monitoring, and zero developer control. Community-driven and open-source, Neo Pepe Coin redefines true decentralized governance. With its potent auto-liquidity measures, permanent LP token burning, and robust treasury management via community proposals, Neo Pepe Coin is designed to offer unmatched market stability and enduring value. Forget typical meme clones, Neo Pepe Protocol embodies true decentralization with genuine power, purpose, and potential. To learn more about Neo Pepe Protocol, visit the official website and Telegram community. Read more: TRON amazes fans with features while Neo Pepe gains traction Disclosure: This content is provided by a third party. crypto.news does not endorse any product mentioned on this page. Users must do their own research before taking any actions related to the company.
More than a billion SHIB meme coins have been removed from circulation
When you suddenly hear about a boom in a financial instrument in the mainstream media, you can be pretty sure trouble is on its way.
In each prominent crypto bullish cycle, a particular meme token tends to seize the spotlight in a rather unprecedented fashion. The DOGE token gained fame as the first meme digital currency with a rabid following after it went up more than 4000% in 2017. It shocked traders and captured their attention. Then in 2021, something even more astonishing happened in the crypto space when the SHIB token increased its value by 1,000,000%, shocking even veteran investors and briefly sitting in the top ten crypto rankings. The power of community, timing, and the ability to ‘go viral’ all fueled these insane crypto fortunes. Now, as we approach mid-2025, a new meme token is set to steal the spotlight during the 2025 bull run. DOGE Token: The Original Meme Crypto and Its 2017 Impact The DOGE token began as a joke, but community support and its fun loving image turned it into a legitimate contender in the crypto industry. It experienced a parabolic price surge during the 2017 bull run, primarily due to social media and its cult status among early adopters. While dogecoin’s price was low in dollar terms, the returns for early investors were phenomenal. It’s clear that the dogecoin’s 2017 surge was a response to the market demand for lighthearted, community-driven alternatives to more sophisticated tech coins. Though initially created as a meme, dogecoin enabled the creation of future meme coins that would be culturally appealing. Shiba Inu Price History and Its 2021 Explosion In 2021, the SHIB token took it up a notch. It expanded with added utility components like a decentralized exchange, NFT projects, and staking, dubbing itself “the Dogecoin killer.” Shiba Inu’s price increase surpassed even early DOGE figures with an astonishing rise of over 1,000,000%. SHIB’s unique combination of a meme strategy with an overarching ecosystem set it apart. It wasn’t simply a joke; it gave participants an infrastructure of tools, tokens, and platforms that could be used for much more than speculation. The merger of memes with DeFi led the SHIB to evolve into a community phenomenon with real on-chain activity. Why Little Pepe Could Lead the 2025 Meme Coin Cycle Little Pepe sets itself apart by combining meme culture with practical blockchain utility, as opposed to past meme tokens, which relied on community hype. Its ecosystem’s Layer 2 architecture enables rapid and economical transaction processing, making it ideal for meme trading on a large scale as well as micro-payments. Different from other meme projects, Little Pepe has a roadmap designed to transcend mere publicity. The protocol allows for farming, staking, and community governance, transforming what was perceived as a joke into a platform that contains real-world utility. The Little Pepe presale is designed with 26.5% of the tokens, which will provide the project early traction. At the same time, 30% is set aside for future project development. The project’s tokenomics aims to create everlasting value by containing 13.5% for staking and rewards, which drives user retention by incentivizing active participation. In addition, $LILPEPE’s decentralization is demonstrated through no buy and sell taxes, while 10% for liquidity and market-making maintain active trading. Presale Strategy and Market Momentum The presale model of LILPEPE is structured in multiple stages to reward early adopters and build a stable launch trajectory. Currently in Stage 2, the token is priced at $0.0011, with a total of 750,000,000 tokens allocated for this phase. So far, over 100 million LILPEPE tokens have been sold, raising approximately $110,424 out of the $825,000 Stage 2 funding goal. Across all stages, 26.5 billion tokens are allocated for the presale. The overall goal is to raise $12 million, which will support development of the Layer 2 blockchain, DeFi utilities, exchange listings, and project expansion. Already gaining attention, the ongoing presale has drawn investors interested not just in the meme potential but in its real-world viability. The structured pricing, transparent allocations, and upcoming exchange listings give it a clear edge in a crowded space. Built for Meme Culture, Designed for Utility Little Pepe is distinguished from previous meme coins by its infrastructure. For one, it is built on top of a Layer 2 blockchain with low fees and quick transaction speeds. This structure is a great fit for meme coins, which need to be fast and processed in large amounts on decentralized exchanges. Moreover, supporting dApp development provides utility-based extensions of meme culture. From mini-games and NFT giveaways to community voting applications, the protocol invites developers to create with both humor and intention. Comparative Analysis of the Meme Giants: DOGE, SHIB, and LILPEPE Both DOGE and SHIB demonstrated how much the crypto market values community and culture. However, their runs were largely constrained by lack of infrastructure and predictable utility. Little Pepe picks up from where they left off. The protocol has a built-in, functional ecosystem with community voting, staking, dApps, and community-driven governance from the start. This positions it favorably to cater to the needs of meme lovers and DeFi participants. For More Details About Little PEPE, Visit The Below Link: Website: https://littlepepe.com
Tron Inc. has announced a strategic transfer of 210 million TRX tokens to its treasury, aiming to bolster liquidity and market stability amid crypto volatility. This move reflects Tron’s proactive
Summary Visa faces a serious disruptive threat from major customers Amazon and Walmart developing in-house blockchain-based payment solutions for vendors and retail customers. If credit card transaction fees are forced into decline to retain clients, Visa's high profit margins and valuation premium could evaporate, risking a -50% or greater stock price drawdown. The GENIUS Act and government stablecoin regulation (guidelines for the industry) could accelerate the shift away from traditional credit cards, especially if new non-bank entrants market lower processing fees nationally. Given an extreme overvaluation position and looming competition, I am issuing a Sell rating for Visa, expecting a significant selloff once federal stablecoin regulations become law. A major disruption to credit card processors could be coming later in 2025, especially for the Visa Inc. ( V ) business model. It's a disruption that could send revenue and profits into reverse, really for the first time since this company began public trading in March 2008. The news on Friday (June 13th, 2025) that the largest U.S. retailers Amazon ( AMZN ) and Walmart ( WMT ) are working individually on their own internal payment systems using the novel blockchain stablecoin idea is absolutely an existential threat to Visa [alongside Mastercard ( MA ), plus a number of others in the credit card processing field]. For starters, trading and global transfer payment value in stablecoins has become extraordinary in dollar terms already. According to NFT Evening , A pivotal highlight from 2024 was the extraordinary $27.6 trillion in total stablecoin transfer volume, which surpassed the combined transaction volumes of Visa and Mastercard. This monumental shift underscores blockchain’s increasing adoption for global payments. This momentum persisted into Q1 2025, with stablecoin transaction volume again outperforming Visa, and Ethereum’s Layer-1 recording a high of $480 billion in stablecoin volume in May 2025. Since Visa is the largest credit card processor in the world at 39% of all transactions (and 61% of dollar charges in America during 2024), this company has the most to lose if new stablecoin payment solutions are the future of money exchanges. Capital One Shopping Research - 2024 Statistics, May 2025 Article While Visa has and should play a role transferring funds between new stablecoin and cryptocurrency creations as a form of money , as the business is finding customers demanding a variety of settling and purchasing options , the possible invention of new networks that bypass the need for a third-party processor are the glaring problem. In essence, Amazon and Walmart could set up their own money exchanging networks for related ecosystem merchants and retail customers (becoming their own bank, currency creator, transaction processor and retailing operation to the masses in combination). Why are new stablecoin networks a threat? What if the two retailers offer automatic 3% or 4% discounts on all purchases for holding money insider their stablecoin domains, vs. no discount when using a regular credit card as a form of payment (retail customers on average get between 1% to 2% as a bank-card reward back). Won't millions of customers jump on board? Stablecoin issuers can collect interest off the float of coins in circulation (invested in Treasuries), while an internal payment network completely eliminates credit card charge fees. The profit incentive for Walmart and Amazon is they can control discounts to consumers and earn interest for themselves (off other people's money) in the end vs. today's traditional payment fee structure (a cost for doing business, generally 1% to 3% of dollar amounts charged to merchants). At the very least, expanding payment processing competition from the likes of PayPal ( PYPL ), that collects/earns income for its owners both from transactions and cash held in Venmo accounts (while it is leading the way with its own stablecoin development), could dent super-high profit margins at Visa. As a consequence for investors, if credit card transaction fees are soon forced to materially backtrack for the company to retain business, Visa will no longer have a "moat" or sufficient barrier to prevent customers/businesses from leaving its payment network. Then, we may witness a stock overvaluation slide back to earth vs. other financial businesses. Effectively, new stablecoin-based transaction networks could prove the disrupting invention Visa shareholders believed would never be possible as a direct threat to its near-monopoly position in the banking world. Herein lies the investment rub. A sector-normalized valuation could be 50% lower than the first half of 2025 level, and that's on flat Visa operating results. Given operating performance like total profits and all-important margins turn lower, a stock price drop greater than -50% could be in the cards through 2026. Don't say such cannot happen. When new competition shows up with a better way forward at reduced cost for customers (merchants and retail consumers in this case), that's typically what happens for the loser in the equation on Wall Street. I have mentioned Visa as an overvalued pick to avoid over the past year or two. Today, I am officially putting a Sell rating on the stock, a move based on this week's stablecoin development news. Once U.S. stablecoin regulations are finalized and passed through the GENIUS Act , perhaps in the weeks ahead, I expect a major selloff in Visa shares will follow. Overvaluation Problem Visa shares are in no way ready for heightened and rapidly exploding competition for payment processing. If both Amazon and Walmart create their own payment systems, it won't be hard for them to expand/market their networks to millions of small businesses (at Amazon) or tens of millions of customers (at Walmart). In other words, passage of the GENIUS Act could quickly lead to a drop in regular bank credit card usage later in 2025 at Visa and Mastercard, especially for online transactions. So, the changing rationale goes, Visa shareholders may be forced to face a normalized to even lower than industry-normal business valuation level if sales and earnings begin to decline by early 2026. That's a long distance from the current overvaluation setup. Seeking Alpha's Quant Factor Valuation Grade is an overall "F" score today. The summary valuation story is, the stock is holding on to the same extreme valuation of the past five years, while it stands at 100%, 200% and greater premiums to regular financial sector levels. Seeking Alpha Table - Visa, Quant Valuation Grades, June 13th, 2025, Author Reference My bearish argument is that Visa (and Mastercard for that matter) should trade closer to the valuation levels of PayPal in the near future, if basic credit card transaction numbers peak in 2025-2026. Below are some graphs comparing/contrasting the problem for V shareholders going forward. On core enterprise valuations (including stock capitalization and company debt) for EBITDA and sales, there exists enormous downside for Visa's (and Mastercard's) share quote, assuming stablecoin networks are the future of money changing hands over the internet. YCharts - Visa vs. MA & PYPL, EV to Forward EBITDA Est., Since 2023 YCharts - Visa vs. MA & PYPL, EV to Forward Sales Est., Since 2023 Given steady credit card processing growth rates stall or move into reverse, and profit margins tank back toward competitive levels for the processing industry, why would Visa continue to trade at massive premiums on fundamental financial ratios? The current overvaluation setup leaves no room for error. Incredible share valuation premiums for Visa (and Mastercard) are completely a function of wildly excessive profit margins. Again, a profit margin hit would be the first sign of serious trouble for the business model, assuming stablecoin payment networks become popular in rapid fashion. YCharts - Visa vs. MA & PYPL, Gross Profit Margins, Since 2023 YCharts - Visa vs. MA & PYPL, Final Profit Margins, Since 2023 For sure, if operating business growth rates for sales fall to +5% annually or worse starting in 2026, a trailing P/E ratio of 31x (estimated by the end of 2025) is way too expensive at Visa. An S&P 500 blue-chip P/E average closer to 25x and financial sector norms in the 12x to 15x range could mean considerable investor pain is approaching. At this point, I do not trust overly optimistic analyst projections, beyond the next couple of quarters. Seeking Alpha Table - Visa, Analyst Estimates for 2025-27, Made June 13th, 2025 Stock Trading Warning Signs I will say at face value, most of the technical momentum indicators underpinning stock trading health look positive today. However, there are several signs of potential trouble that have appeared since April. The first technical trading problem is found in the 13-day Force Index calculation. A multi-year extreme for selling intensity was reached in April, while Friday's selloff may have started a plunge to even lower levels next week (both instances circled in red). The second and more obvious bearish warning to me flashed with the new "record low" reading in the 14-day Ease of Movement indicator, reached in April (circled in gold below). Trump's trade war panic selloff for Wall Street generally proved Visa is not immune to changing macroeconomic conditions. StockCharts.com - Visa, 12 Months of Daily Price & Volume Changes, Author References I have mentioned in many articles over the past year how weak EMV calculations are a symptom of sellers overwhelming buyers on unusually light trading volume. Low EMV numbers often (but not always) predate larger selling waves and far lower stock pricing. Honestly, the last time EMV reached a record low was the early part of 2022, which followed abnormal selling pressure as measured by the Force Index in late 2021. The rest of 2022 proved problematic for Visa shareholders. Could 2025 bring more of the same, namely a material downturn in share pricing? 2021-22 Trading Similarities StockCharts.com - Visa, Daily Price & Volume, June 2021 to October 2022, Author References Final Thoughts My trading readout is the continuation of selling next week, particularly on Monday-Tuesday (further depressing Ease of Movement and Force Index readings), would be a truly bearish outcome. Such would highlight the stablecoin news flow is worthy of your attention. In my view, PayPal is developing a much sounder business model for the payment/banking future. I own a small PYPL position and discussed the long-term positives taking place for this business in my article during February here . Old-school payment processors, keeping high transaction fees as their main revenue source (from vendors and retailers), could soon find themselves losing business and slashing their fee structure. To remain a viable option for retailers and businesses discovering cheaper alternatives through stablecoin networks, profits would undoubtedly take a major hit. At the very least, Visa and Mastercard may have to develop their own stablecoin-based networks to compete, which will require far lower selling price points per transaction and reduced profit margins in the new-age banking landscape about to open up. Company insiders have been selling stock over the past 12 months, with ZERO insider buys reported to the SEC over the last three months. I don't know if they feel the company is overvalued vs. a slowing economy, or worries about stablecoin impacts are starting to appear, but management is in no hurry to increase their Visa share positioning. Nasdaq.com - Visa, Insider Transactions, 12 Months What if stablecoin networks at America's largest retailing organizations do not dent Visa transaction volume growth dramatically? Sure, this is one possibility. And, it's possible consumers will not stray away from traditional banking options for a number of years, until online networks and blockchain technologies are proven safe and effective by other users first. Yet, Visa's share price future may still suffer from an overvaluation hangover. If the U.S. and global economy are headed for recession in 2025-26, transaction volumes at payment processors will suffer (all other variables remaining the same). I do not believe June's all-time price high for V is properly discounting this outcome either. Why invest in the potential of a flat-lining operating business during the second half of 2025 (on economic recession, a likely result of Trump tariffs and fading confidence in the U.S. dollar), with rising probabilities for backsliding results in 2026 on the arrival of cheaper stablecoin options for businesses/consumers to transfer money? To me, the upside in Visa is quite limited from the nosebleed valuation level of today. It's priced as if nothing can go wrong for the operating business, while the future could be laden with a number of obstacles difficult to overcome. I rate shares an Avoid if you are searching for sound risk-adjusted places to put investment capital to work, and a Sell if you own shares. The stablecoin-competition catalyst to exit a position is no laughing matter. Visa's near duopoly protected business model (alongside Mastercard) could face escalating competitive threats, as new digital-money exchanging inventions mushroom. Thanks for reading. Please consider this article a first step in your due diligence process. Consulting with a registered and experienced investment advisor is recommended before making any trade.
Binance eyes fresh shake-up in crypto trading pairs