Netherlands-based payments technology firm Quantoz Payments said it has become a direct principal member of Visa, giving customers the ability to use their e-money or regulated stablecoin balances at any point of sale that accepts Visa.
Under the agreement, Quantoz will be able to issue virtual Visa debit cards and act as a BIN sponsor for fintechs and digital platforms, allowing them to embed the cards into their own products so customers with e-money or regulated stablecoin balances can pay at any merchant that accepts Visa using familiar card payment channels.
Balances held in customer accounts at Quantoz will serve as the spendable amount on the virtual Visa card, which is intended to work across online and in-store payments, as well as in mobile wallets, such as Apple Pay and Google Pay, bringing stablecoin-style digital money into everyday retail transactions.
European focus and new use cases
The cooperation initially targets the European market, where fintech and platform partners will be able to customize branding, pricing structures, and card controls as they embed virtual Visa card issuance in their services.
As integration advances, Quantoz plans to work with partners on new consumer and business payment applications that rely on regulated digital money but transact over established card rails.
Quantoz handles the regulatory “heavy lifting” for digital payments
Quantoz Payments Chief Executive Arnoud Star Busmann said principal membership with Visa marks an important step in making regulated digital money usable in routine payments, adding the company aims to take on the regulatory, operational, and technical burden so that partners can roll out their own branded card products that link compliant digital money to Visa’s global acceptance network.
Visa’s country manager for the Netherlands, Jos van de Kerkhof, said the card network is working to support innovation around how digital value is used in trusted payment environments. He stated that partnerships of this type allow fintechs and platforms to test how regulated digital money can connect to existing card infrastructure while keeping security and compliance standards in place.
Quantoz’s EURQ, EURD, and USDQ fit into Visa’s stablecoin plans
Founded in 2015, Netherlands-based Quantoz is a financial technology group whose subsidiary, Quantoz Payments, issues euro-denominated and dollar-denominated electronic money tokens EURQ, EURD, and USDQ within the European Economic Area under an e-money license from the Dutch central bank.
Backed by investors including Tether, Kraken, and Fabric Ventures, the firm has seen its USDQ and EURQ stablecoins, launched in November 2024, listed on more than 30 digital asset exchanges worldwide, with cumulative trading volumes exceeding $115 million by April 2025 and recognition as the only MiCA-compliant stablecoin issuer licensed in an AAA-rated country.
Visa has been expanding its own use of stablecoins in parallel. In December 2025, the card network opened USDC stablecoin settlement to U.S. banks, allowing institutions, such as Cross River Bank and Lead Bank, to settle with Visa in USDC over the Solana blockchain, as part of a program that had already reached about $3.5 billion in annualized stablecoin settlement volume across earlier pilots.
The move extends a multi-year effort to integrate stablecoins into core card settlement, offering faster, round-the-clock fund transfers for issuers while keeping the consumer card experience unchanged.
