Verestro: A Global Bridge for Stablecoin Utility and Liquidity

The digital-asset landscape is confronting a striking paradox. On one hand, stablecoins – cryptocurrencies pegged to traditional assets – represent an immense store of value. Users collectively hold hundreds of billions of dollars/euro in stablecoins globally. On the other hand, their real-world utility for everyday payments remains modest. This is primarily due to two factors: the high supply/low liquidity of stablecoins in the consumer market, and the technical constraint that most payment terminals worldwide are configured to accept only traditional FIAT currencies fe. like the Polish Złoty (PLN), Euro (EUR), or US Dollar (USD) .

Enter Verestro — a Fintech-as-a-Service (FaaS) innovator that is stepping up with a fully compliant, global solution designed to eliminate this divide, effectively creating a global payment pathway for stablecoins today. The core offering is the ability to fund Visa/Mastercard cards with stablecoins instantaneously.

The Verestro Stablecoin Payment Architecture

Verestro’s model is built on a robust core platform, developed in close collaboration with major payment networks (Visa, Mastercard). They issue both virtual and physical cards under a Card-as-a-Service model. 

The "magic" behind the stablecoin payment is a sophisticated, multi-step authorization process that occurs in the blink of an eye, ensuring seamless integration into the existing payment infrastructure. Here’s how it works:

1. Initiation: A user swipes or taps a Verestro-issued card for, say, 100 PLN purchase. Note: the card itself holds no stablecoins.

2. FIAT Authorization Request: The payment terminal sends a standard FIAT-transaction request (100 PLN) to the card network. Verestro receives this authorization inquiry.

3. Real-Time Conversion & Partner Authorization: The Verestro system acts as a crucial intermediary, instantly sending an API request to a Partner (such as a crypto wallet or exchange) who is responsible for securely storing the user's stablecoin balance (e.g., USDC or EURT). The Partner performs a real-time conversion from 100 PLN to the stablecoin equivalent, places a block on that amount, and then authorizes the transaction back through the network.

4. Transaction Finalisation & Settlement: To the merchant and terminal it looks like a standard fiat transaction - cleared in fiat (PLN). Simultaneously, the user’s stablecoin balance is reduced by the converted amount.

The result? The user spends their digital-asset wealth with zero disruption, and the merchant receives the traditional currency exactly as they expect. Verestro bridges the crypto-FIAT divide in real time.

Compliance, Scale, and Implementation

Verestro doesn’t just talk tech — we deliver enterprise-grade compliance and global reach:

• Licensing & security: Verestro is EMI-licensed and PCI DSS Level 1 compliant. Compliance procedures like KYC/KYB are built in.

• Features: Cards support Apple Pay, Google Pay, balance management, both issuing and token management.

• Global footprint & scale: Their platform currently serves over 5 million cards & tokens, across more than 160 countries, working with 100+ business partners.

• Flexible delivery: Accessible via APIs, SDKs, white-label apps (iOS/Android), allowing for typical implementation timelines of ~3 months.

In short, Verestro transforms stablecoins from inert store-value assets into dynamic, widely accepted spending power — enabling banks, fintechs and merchants to tap into a new era of digital payments.

Why the Timing is Right?

The stablecoin ecosystem is no longer nascent. The total value of issued stablecoins has doubled in the last 18 months, hitting approximately US$250 billion today as estimated by McKinsey & Company. Daily transaction volumes of stablecoins are substantial — for example, Morgan Stanley estimates transaction volume at about US$100 billion per day.

This combination of massive asset holdings, rapidly growing transaction activity, and limited access to traditional payment rails creates an enormous opportunity for innovation. Despite the scale of this market, most stablecoin balances still remain outside everyday financial use — rarely spent in retail stores, cross-border commerce, or merchant payments. That’s the precise gap Verestro is designed to close.

Summary

With Verestro’s stablecoin solution, the platform is tackling the core challenge of digital assets: billions held, but few spendable in real-world transactions — because payment terminals expect FIAT. Verestro’s Fintech-as-a-Service (FaaS) model enables real-time funding of Visa/Mastercard cards with stablecoins, turning crypto-wealth into everyday spendable power. The secret is a seamless real-time conversion mechanism that hides all the underlying crypto-complexity — making it look and feel like a normal fiat payment to the merchant, while drawing from the user’s stablecoin balance.

With global reach, regulatory compliance and a scalable architecture, Verestro is well positioned to help banks, fintechs and merchants drive revenue and meet evolving customer expectations in the digital economy.