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Followingstablecoin settlement now supports SoFi's US$25 billion Mastercard plan
Currently, digital bank SoFi has used its own token SoFiUSD to settle Mastercard transactions, marking the first time that mainstream card networks have adopted such settlement methods. The program reportedly handles approximately $25 billion in transactions per month, giving it significant scale from the start. Several media outlets described this move as the first time that bank-issued stablecoins have been used for settlement on major card networks around the world.
Innovation in the back-office settlement process
Settlement is the back-end process of transferring funds between banks, card networks and merchants after a purchase occurs. Traditionally, this process has relied on existing bank channels, and the transfer may take a day or more to complete. Via SoFiUSD routing settlement, SoFi is testing whether stablecoins can compress timelines within existing infrastructure.
SoFiUSD is described as a stablecoin issued directly by SoFi, rather than a third-party token simply adopted by banks. This distinction is crucial because it makes SoFi one of the few regulated financial institutions to issue its own dollar-linked tokens for internal settlement, rather than relying on issuers such as Circle or Tether. MasterCard's role is to provide a network layer that allows this settlement to occur within its existing merchant and bank relationships.
Minimal impact on consumers
对于日常使用SoFi卡的持卡人而言，此次变化预计不会改变购买方式或卡片在结账时的功能。转变发生在结算层——即银行和网络在对账后平衡余额的基础设施中，而非销售点体验环节。消费者刷写SoFi品牌的万事达卡时，应看不到任何可见差异。
此举符合银行和支付公司探索稳定币以提高结算效率、而非将其作为面向消费者的产品的更广泛趋势。与美元挂钩的稳定币越来越多地被定位为机构间快速、低成本资金流动的工具，特别是针对跨境或高流量流动。250亿美元的计划在一家美国大型数字银行中为该理论提供了实质性的现实测试。
市场影响与行业前景
万事达卡此前已表示对其稳定币基础设施的兴趣，并将其作为更广泛的支付战略的一部分。该计划为其提供了一个涉及合作伙伴银行自有代币的真实案例研究。这种安排可能会影响其他银行和网络未来如何推进类似的结算升级。关于发布的报道并未指定将稳定币结算扩展到当前250亿美元计划之外的时间表。
此次推出可能会引起其他银行和卡发行商的关注，他们正在评估稳定币结算作为一种减少对账时间和运营成本的方式。万事达卡网络上250亿美元的计划提供了一个具体且规模可观的实例，而非局限于小测试组的试点。这种规模可能会加速竞争银行之间关于发行自身结算代币的讨论。
从更广泛的稳定币领域来看，在主要卡网络上运营的银行发行代币增加了一种新的用例类别，超越了交易、汇款和加密货币原生支付。它也可能引发监管机构对银行发行的稳定币如何与现有支付规则和消费者保护相互作用的更严格审查。
SoFi的转变发出了一个信号：机构对稳定币作为结算基础设施而非纯粹投机资产的信心日益增强。其规模和主要卡网络的使用使其成为一个值得注意的数据点，随着银行权衡类似举动。
常见问题解答
什么是SoFiUSD？
SoFiUSD是由SoFi发行的稳定币，该银行现在将其用于结算其万事达卡计划中的交易。
SoFi客户在使用卡片时会注意到任何变化吗？
预计结账时不会出现可见变化，因为转变影响的是银行和卡网络之间的后端结算，而不是购买过程。
为什么这被认为是行业首创？
报道称，这是银行发行的稳定币首次用于像万事达卡这样的全球主要卡网络上的交易结算。
受此变化影响的计划规模有多大？
根据发布报道，涉及的万事达卡计划每月处理约250亿美元的交易量。
