Mercuryo Unveils Partnership with Visa to Support Global Expansion of Visa Direct Off-Ramping Service

Rhea-AI Summary

Mercuryo and Visa (V) announced a partnership on Jan. 22, 2026 to enable crypto-to-fiat off-ramping via Visa Direct. The integration will let eligible Mercuryo users convert digital token balances into fiat on Visa credit or debit cards in near real time and at low cost, and reach 150 million Visa-accepting merchant locations. Mercuryo's network of non-custodial wallets, exchanges and payment partners will feed Visa Direct, aiming to speed cross-border payouts and simplify cashouts without leaving user platforms.

The move targets broader Web3 adoption by improving access to fiat liquidity and reducing delays in converting crypto to local currencies.

Positive

• Near real-time crypto-to-fiat conversions via Visa Direct
• Access to 150 million Visa-accepting merchant locations
• Integration with leading non-custodial wallets and exchanges
• Enhanced global cross-border off-ramping and lower costs

Negative

• None.

News Market Reaction

+0.33%

1 alert

+0.33% News Effect

On the day this news was published, V gained 0.33%, reflecting a mild positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

Visa-accepting locations: 150 million

1 metrics

Visa-accepting locations 150 million Global merchant locations where Visa cards can be used

Market Reality Check

Price: $325.26 Vol: Volume 8,952,886 vs 20-da...

normal vol

$325.26 Last Close

Volume Volume 8,952,886 vs 20-day average 6,908,902 (relative 1.3x), indicating elevated pre-news activity. normal

Technical Shares at $325.28, trading below 200-day MA of $344.78 and 13.38% under the 52-week high.

Peers on Argus

Visa slipped 0.17% with mixed peer moves: MA down 1.12%, while AXP, COF, PYPL, a...

Visa slipped 0.17% with mixed peer moves: MA down 1.12%, while AXP, COF, PYPL, and SOFI rose between 0.58–2.07%, pointing to a stock-specific setup.

Historical Context

5 past events · Latest: Jan 13 (Negative)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Jan 13	Macro outlook	Negative	-4.5%	Visa projected slower 2026 growth and shifting commerce drivers.
Dec 23	Spend data update	Positive	+0.4%	Visa reported U.S. holiday retail spending rising 4.2% year over year.
Dec 22	Strategic partnership	Positive	+0.8%	Fiserv collaboration to deploy Visa Intelligent Commerce and Trusted Agent Protocol.
Dec 18	S-4 filing	Neutral	+0.9%	Live Oak V and Teamshares submitted confidential S-4 for business combination.
Dec 18	AI commerce update	Positive	+0.5%	Visa detailed secure AI-driven transactions and expanding partner pilots.

Pattern Detected

Across the last five tracked items, news—especially partnerships and AI initiatives—has generally coincided with share gains, while a macro outlook piece saw a larger selloff.

Recent Company History

Over the past months, Visa highlighted macro insights, projecting 2.7% global GDP growth in 2026 and softer consumer spending, which preceded a -4.46% move. Holiday-spend data and AI-commerce milestones around agentic transactions and the Trusted Agent Protocol were followed by modest gains. A separate S‑4 filing involving Live Oak Acquisition Corp. V also saw a small positive reaction. Today’s Mercuryo–Visa Direct partnership continues Visa’s push to broaden real-time and digital-payment rails, particularly around crypto-to-fiat flows.

Market Pulse Summary

This announcement extends Visa Direct into crypto-to-fiat off-ramping through Mercuryo’s network, po...

Analysis

This announcement extends Visa Direct into crypto-to-fiat off-ramping through Mercuryo’s network, potentially adding on-chain and Web3 use cases while leveraging access to 150 million merchant locations. It fits a pattern of partnerships that embed Visa’s rails into third-party ecosystems. In parallel, shareholders have seen active proxy campaigns and insider selling. Investors monitoring this theme often track subsequent usage metrics, partner adoption levels, and how new flows contribute to overall transaction volumes.

Key Terms

off-ramping, non-custodial wallets, web3, cross-border payments, +2 more

6 terms

off-ramping financial

"provide fast and user-friendly crypto-to-fiat global off-ramping via Visa Direct"

Off-ramping is the planned process of reducing or exiting a business activity, investment position, program, or exposure so it ceases to be a core part of operations. For investors it signals management is winding down risk and reallocating capital—like gradually steering a car out of a highway lane rather than slamming the brakes—so it can change future revenue, costs and cash flow expectations and alter valuation assumptions.

non-custodial wallets financial

"network of leading non-custodial wallets, exchanges and payment networks"

Non-custodial wallets are digital tools that let an individual hold and control their own cryptocurrency by storing the unique digital keys (like passwords) on their own device rather than with a third party. For investors this matters because it gives full control and reduces counterparty risk—similar to keeping cash in a personal safe instead of a bank—but also means the user is solely responsible for guarding those keys and recovering access if lost.

web3 technical

"towards mass Web3 adoption, supporting efficient cross-border payments"

An approach to the internet that uses decentralized technologies (like blockchains and smart contracts) to give users control over data, identity and digital assets instead of relying on a single company. For investors it matters because it enables new business models—token-based ownership, marketplaces and governance structures—but also brings higher volatility, novel revenue streams and regulatory uncertainty, so investment outcomes can be very different from traditional tech.

cross-border payments financial

"supporting efficient cross-border payments, thereby minimising delays"

Cross-border payments are transfers of money between people, businesses, or banks in different countries, including wages, supplier invoices, investments, and customer purchases. They matter to investors because they affect a company’s cash flow, costs, and market access—think of them as the international pipes that move funds; if those pipes are slow, expensive, or unreliable, a company’s profits and growth can be reduced.

on-chain technical

"payment solutions along with seamless on-chain integration"

On-chain describes actions or data that are recorded directly on a blockchain, a public digital ledger that creates a permanent, time-stamped record of transactions. For investors, on-chain activity provides verifiable evidence of transfers, ownership changes or automated program actions (like contract-driven payments); seeing these entries is like checking a bank statement and helps assess liquidity, settlement finality, fees, and transparency when judging risk and market behavior.

defi financial

"Mercuryo specialises in efficient capital flow in the DeFi ecosystem"

DeFi, short for decentralized finance, is a system of financial services built on blockchain technology that operates without traditional banks or intermediaries. It allows people to borrow, lend, trade, and earn interest directly with each other through digital platforms, much like using a peer-to-peer marketplace. For investors, DeFi offers the potential for greater access, transparency, and control over their financial activities.

AI-generated analysis. Not financial advice.

LONDON, Jan. 22, 2026 /PRNewswire/ -- Global payments infrastructure platform Mercuryo and Visa, a world leader in digital payments, have announced a partnership that will provide fast and user-friendly crypto-to-fiat global off-ramping via Visa Direct, Visa's real-time payments platform.

Mercuryo's further coverage of Visa Direct will enhance its off-ramp services across the globe, providing the platform's eligible user base with the ability to convert their digital token holdings into fiat on a Visa credit or debit card in near real time and at low cost. Visa Direct helps facilitate money movement in multiple ways for brokerage, crypto and digital bank accounts.

Mercuryo's partnership with Visa enables the Visa Direct service to utilize the payment infrastructure platform's network of leading non-custodial wallets, exchanges and payment networks. The integration will allow millions of users to obtain access to an intuitive crypto-to-fiat conversion tool without leaving the platforms that they trust.

In utilising Visa Direct's global network, Mercuryo is taking another step forward towards mass Web3 adoption, supporting efficient cross-border payments, thereby minimising delays and enabling users to swiftly obtain access to their funds in their local fiat currencies.

"This partnership with Visa will further enhance Mercuryo's ability to deliver a fast, low-cost user experience, making it easier to convert digital token balances into fiat, which can be spent at 150 million global Visa-accepting merchant locations. Traditionally, moving money across borders or cashing out from digital assets has involved complex, time-consuming processes. Through this collaboration such delays are minimised, enabling users to enjoy a much more seamless off-ramping experience," said Petr Kozyakov, Co-Founder and CEO at Mercuryo.

Anastasia Serikova, Head of Visa Direct, Europe, said, "By leveraging Visa Direct's capabilities, Mercuryo is not only making converting to fiat faster, simpler, and more accessible than ever—it's building bridges between the crypto space and the traditional financial system. This integration empowers users to seamlessly convert digital assets into fiat in near real time, creating a more connected and convenient payment experience."

Mercuryo is a first-mover and innovator in the fast-evolving Web3 space, providing a variety of payment solutions along with seamless on-chain integration. Mercuryo's intuitive solutions are simplifying the experience for newcomers to the digital token space. Mercuryo specialises in efficient capital flow in the DeFi ecosystem and combines various payment solutions into a single interface.

 

About Mercuryo

Mercuryo is a leading payment infrastructure platform in the digital token space. Standing out in the decentralized ecosystem by enhancing payment use case growth and on-chain integration, Mercuryo's intuitive and robust solutions are powering the next generation of Web3 payment services. Mercuryo's innovative payment products such as Spend bridge the gap between TradFi, Web2 and Web3. Mercuryo is the proud partner of leading pillars in the digital token economy such as Ledger, MetaMask, Trust Wallet and Revolut. Driven by an evolving product suite, Mercuryo is expanding further and continuing to innovate with a diversified stack of payment services.

Learn more at: https://mercuryo.io/

About VISA

Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com.

View original content:https://www.prnewswire.com/news-releases/mercuryo-unveils-partnership-with-visa-to-support-global-expansion-of-visa-direct-off-ramping-service-302668071.html

SOURCE Mercuryo

FAQ

What did Mercuryo and Visa announce on Jan. 22, 2026 regarding Visa Direct (V)?

They announced a partnership to enable crypto-to-fiat off-ramping via Visa Direct, letting eligible users convert token balances to fiat on Visa cards in near real time.

How quickly will Mercuryo users be able to receive fiat via Visa Direct (V)?

The announcement says conversions will occur in near real time, minimizing traditional delays for cashing out digital assets.

What merchant reach does the Mercuryo–Visa Direct integration provide for V cardholders?

Converted fiat can be spent at about 150 million Visa-accepting merchant locations worldwide.

Which platforms will be able to use Mercuryo's Visa Direct off-ramping for V?

Mercuryo's network of non-custodial wallets, exchanges, and payment networks will enable the Visa Direct service across partner platforms.

Does the Mercuryo–Visa Direct (V) deal support cross-border payments?

Yes; the integration is described as supporting efficient cross-border payments and faster access to local fiat currencies.