Bank

River

Impact

USDC

would

<h3 class="wp-block-heading" id="h-key-insights">Key Insights:</h3>
<ul class="wp-block-list">
 <li>Circle stock (CRCL) jumped about 3% on Dec. 16, 2025, sparking market optimism.</li>
 <li>Visa opened its U.S. settlement network to settle in Circle’s USDC on Solana, with pilots including Cross River and Lead Bank.</li>
 <li>The integration could boost USDC settlement volumes and position Circle to capture more transaction-related revenue.</li>
</ul>
Circle stock (NYSE: CRCL) climbed sharply on Dec. 16, 2025 after Visa announced that U.S. banks and fintechs could settle transactions using Circle’s USDC stablecoin.
The global payments giant said it would allow U.S. issuer and acquirer partners to “settle with Visa in Circle’s USDC, a fully reserved, dollar-denominated stablecoin” as part of a new blockchain-based settlement framework.
The announcement and press release on Dec. 16 – sent Circle’s shares up about 3% on the day. Investors viewed the move as a validation of stablecoins in mainstream finance and a boost to Circle’s business.
<h2 class="wp-block-heading" id="h-visa-expands-usdc-settlement-to-u-s-banks">Visa Expands USDC Settlement to U.S. Banks</h2>
Visa <a href="https://investor.visa.com/news/news-details/2025/Visa-Launches-Stablecoin-Settlement-in-the-United-States-Marking-a-Breakthrough-for-Stablecoin-Integration/default.aspx#:~:text=Visa%20Launches%20Stablecoin%20Settlement%20in,a%20Breakthrough%20for%20Stablecoin%20Integration" target="_blank" rel="noreferrer noopener nofollow">said</a> its U.S. network is now “open to stablecoin settlement.” U.S. banks can use Circle’s USDC on the Solana blockchain to settle Visa transactions.
Initial participants include Cross River Bank and Lead Bank, which have already begun settling with Visa using USDC. Visa is also a design partner for Circle’s new Arc blockchain and plans to support Arc-based USDC once the network launches.
The company reports that its stablecoin settlement pilot has rapidly scaled, achieving a $3.5 billion annualized run rate by Nov. 30. Visa now plans to roll out USDC clearing more broadly in the U.S. through 2026.
Visa highlighted tangible benefits for banks. In its press release, the company noted that USDC settlement provides “faster funds movement over blockchains, seven-day availability and enhanced operational resilience” while preserving the normal consumer card experience.
In other words, issuers can settle seven days a week and clear payments more quickly, without changing how cardholders spend.
Visa Chief Growth Officer Rubail Birwadker said partners have been “preparing to use” stablecoin settlement and that USDC on Visa delivers a “bank-ready capability that improves treasury efficiency.”
Circle’s leadership also praised the move: CTO Nikhil Chandhok called the rollout “a milestone for internet native money moving at the speed of software,” underscoring the potential to modernize financial plumbing.
<h2 class="wp-block-heading" id="h-circle-stock-reaction-and-market-impact">Circle Stock Reaction and Market Impact</h2>
Circle’s share price reacted immediately. On Dec. 16, CRCL stock rose roughly 3% as the market opened, reflecting investor confidence in the USDC initiative.
<div class="wp-block-image">
 <figure class="aligncenter size-full">
 <img loading="lazy" decoding="async" width="700" height="473" src="https://www.thecoinrepublic.com/wp-content/uploads/2025/12/image-438.png" alt="Circle (CRCL) Stock Price | Source: Google Finance" class="wp-image-1595089" srcset="https://www.thecoinrepublic.com/wp-content/uploads/2025/12/image-438.png 700w, https://www.thecoinrepublic.com/wp-content/uploads/2025/12/image-438-300x203.png 300w, https://www.thecoinrepublic.com/wp-content/uploads/2025/12/image-438-150x101.png 150w, https://www.thecoinrepublic.com/wp-content/uploads/2025/12/image-438-696x470.png 696w" sizes="auto, (max-width: 700px) 100vw, 700px">
 <figcaption class="wp-element-caption">
 Circle (CRCL) Stock Price | Source: Google Finance
 </figcaption>
 </figure>
</div>
Circle stock had already been advancing this year after its June 2025 IPO, trading well above its debut price as cryptocurrency infrastructure companies attracted strong demand.
The reaction shows how closely investors tie <a href="https://www.thecoinrepublic.com/2025/12/04/circle-stock-to-100-as-crypto-market-sentiment-rebounds/">CRCL stock investors</a>‘ fortune to USDC adoption. The company reported about $1.7 billion in revenue in 2024, and USDC is now a major player in the digital dollar market.
USDC is fully backed by cash and cash-equivalent reserves and is second only to Tether’s USDT in overall stablecoin market size.
With Visa’s settlement network bringing USDC to large U.S. banks, analysts expect Circle’s transaction volumes and fee revenues could increase. In short, many investors see Visa’s endorsement as a growth catalyst for Circle’s ecosystem.
Visa’s official rollout of USDC settlement with U.S. banks represents a concrete step toward fusing crypto innovation with legacy finance.
For Circle stock <a href="https://www.thecoinrepublic.com/2025/11/13/why-circle-stock-falls-7-despite-214m-growth-in-net-income/">investors</a>, the news is a bullish sign, the company’s asset (USDC) is being embraced by one of the world’s largest payment networks.
Circle Internet Group now stands at the center of a “trustworthy” dollar payment solution integrated with Visa’s network. In the near term, the confirmed details and supportive context give Wall Street clear data to price into CRCL stock.
The post <a href="https://www.thecoinrepublic.com/2025/12/16/circle-stock-jumps-as-usdc-becomes-part-of-visas-us-settlement-network/">Circle Stock Jumps as USDC Becomes Part of Visa’s US Settlement Network</a> appeared first on <a href="https://www.thecoinrepublic.com">The Coin Republic</a>.

Circle Stock Jumps as USDC Becomes Part of Visa’s US Settlement Network

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