{"id":38613,"date":"2025-11-10T17:46:05","date_gmt":"2025-11-10T17:46:05","guid":{"rendered":"https:\/\/metachannelcorp.com\/the-incorporation-of-visa-and-the-focus-on-real-assets\/"},"modified":"2026-08-03T11:35:47","modified_gmt":"2026-08-03T11:35:47","slug":"the-incorporation-of-visa-and-the-focus-on-real-assets","status":"publish","type":"post","link":"https:\/\/metachannelcorp.com\/en\/perspectives\/the-incorporation-of-visa-and-the-focus-on-real-assets\/","title":{"rendered":"The Incorporation of Visa and the Focus on Real Assets"},"content":{"rendered":"

The Great Financial Convergence towards Regulated Tokenization: The Incorporation of Visa and the Focus on Real Assets<\/strong><\/p>\n

By <\/strong>Antonio Tejeda Encinas<\/strong><\/a> CEO META Channel Corporation<\/strong><\/a><\/p>\n

Continuing with the analysis of the article “<\/em>BlackRock forces the norm and how Europe\u2014from MiCA\u2014offers the legal response<\/em><\/strong><\/a>“<\/em> (published on November 4, 2025), which explored how giants like BlackRock are positioned at the center of tokenization before regulation is fully consolidated, promoting its creation and ensuring presence when the regulations arrive, this text delves into that dynamic.<\/p>\n

Breaking note: Today, 10 November 2025, the Bank of England (BoE) launches a landmark consultation for systemic sterling stablecoins: allowing up to 60% reserves in short-term public debt, access to accounts at the BoE for solvency, and time limits (\u00a320,000 for individuals, \u00a310M for companies) to be phased out. A movement that, like the GENIUS Act in the US, forces the norm with Anglo-Saxon audacity \u2014 while MiCA, in Europe, already offers absolute regulatory certainty for tokenized real assets, without speculation.<\/em><\/p>\n

Now, with the recent incorporation of Visa to the on-chain ecosystem – which accelerates its commitment to stablecoins and tokenized loans in October 2025 – we see how everyone wants to intervene in blockchain, a field that for META Channel Corporation<\/strong> It is already natural and everyday.<\/p>\n

All of these actors boldly innovate in their specific roles (sometimes at the regulatory margins, as if anticipating frameworks such as the GENIUS Act in the US), but META Channel Corporation remains in the absolute certainty of MiCA<\/strong>, focusing exclusively on real tokenized assets, without speculation.<\/p>\n

This approach differentiates us: we do not compete on a global scale, but rather in the comprehensive development of legal-technological processes for clients seeking to tokenize with full regulatory security.<\/p>\n

Below, we update the outlook with key moves from November 2025\u2014including the BoE’s boldness today\u2014illustrating each actor’s innovation in their role\u2014how far they go with pre-regulatory boldness, and how Meta already operates on that horizon with post-MiCA precision.<\/p>\n

And while all these actors boldly innovate in their roles, a key question arises\u2014the same one we posed in the previous article\u2014: who ensures that this convergence works with absolute regulatory certainty, without speculation?<\/em><\/p>\n

Tokenized Payments: Visa Forces Rule on Settlement and Cross-Border Payments<\/strong><\/p>\n

IN ITS ROLE AS A LEADER IN GLOBAL PAYMENTS INFRASTRUCTURE<\/em><\/strong>, Visa has taken a decisive step in October 2025, consolidating its position as a bridge between traditional and on-chain finance through stablecoins. Following its October 28 announcement, the network now supports four new stablecoins\u2014USDC, EURC, PYUSD, and USDG\u2014on four additional blockchains (Ethereum, Solana, Stellar, and Avalanche), facilitating instant, cross-border settlement convertible to more than 25 fiat currencies.<\/p>\n

A previous Visa report from October 16 highlights that stablecoin loans have exceeded $670 billion in five years, with $51.7 billion in August 2025 alone, driven by smart contracts that automate credit markets 24\/7.<\/p>\n

CEO Ryan McInerney described it as part of Visa’s transformation into a payments “hyperscaler,” with tokenization and stablecoins as pillars, and volumes quadrupling by Q4 2025 (annualized to $2.5B monthly). This includes pilots with issuers such as Circle to mint\/burn bank stablecoins via Visa Tokenized Asset Platform (VTAP), aligned with Citi and Coinbase projections of a $4 trillion on-chain market by 2030.<\/p>\n

Visa, with its network of more than 15,000 institutions, arrives here with massive scale in its settlement role, but still in an aggressive experimentation phase \u2014 boosting the ecosystem before regulations such as the GENIUS Act<\/strong> (signed in July 2025 and effective in November 2026) become fully involved, similar to how BlackRock forces the norm in asset management.<\/p>\n

In Europe, Societe Generale<\/strong>, in its role as a regulated banking issuer, has integrated its stablecoin EURCV<\/strong> (launched in 2023) in DeFi as Morpho in October 2025, under MiCA, with 100% euro backing and BNY Mellon custody for variants such as USDCV. This shows how systemic banks are advancing instant payments with regulatory certainty, an area where Visa is just accelerating its innovation.<\/p>\n

Real Assets on Chain: BlackRock Scales in RWA and ETF Management<\/strong><\/p>\n

IN HER ROLE AS MASSIVE ASSET MANAGER<\/em><\/strong>, BlackRock<\/strong> reiterates the tokenization of real assets (RWA) as inevitable, with Larry Fink<\/strong> stating on October 14, 2025 on CNBC that more than $4 trillion in digital wallets are ready to migrate.<\/p>\n

Your background BUIDL<\/strong>, launched in March 2024 and tokenized by Securitize, surpassed $1 billion in AUM in March 2025 (56% monthly growth), expanding to Avalanche and Aptos with daily yields and adoption in DeFi (e.g. Ethena’s $200M allocation). BlackRock is preparing a GENIUS Act-compliant money market fund for stablecoin issuers, a move that, as in the previous article, positions the manager at the center of RWA before regulations tighten, ensuring that its model (with >$70M in distributed yields) is the benchmark when the regulatory framework arrives.<\/p>\n

In Spain, @Azvalor<\/strong>, in its role as an innovative local manager, launched its Azvalor Blockchain FI<\/strong> under the CNMV sandbox, with real-time settlement via Allfunds Blockchain and BNP Paribas as depositary. This tokenized UCITS fund illustrates the maturity in European RWA, aligned with MiCA and focused on efficiency without speculation, similar to Franklin Templeton initiatives in fund management.<\/p>\n

Banking Reinvents itself: BBVA Advances in Custody and Retail Services Under MiCA<\/strong><\/p>\n

IN ITS ROLE AS A GLOBAL BANK WITH A FOCUS ON INSTITUTIONAL CUSTODY,<\/em><\/strong> BBVA<\/strong> has scaled its crypto offering in 2025 with regulated emphasis. In September, it signed with Ripple for digital custody in Spain, expanding from Switzerland (2021) and launching BTC and ETH trading and custody for retail clients the same month, all under MiCA.<\/p>\n

This integrates blockchain with Swift in its custodian role, reinforcing security for real assets, as emphasized Francisco Maroto<\/strong>: solutions with “banking standards” to avoid speculative risks, innovating on the margins of already consolidated MiCA.<\/p>\n

DZ Bank<\/strong>, in Germany and in the role of cooperative custodian, deployed its platform with Ripple in January 2025, starting retail pilots with B\u00f6rse Stuttgart in December 2024. These steps show how the bank transfers its custodian role to on-chain, catalyzed by MiCA, but still in gradual implementation in the face of past volatilities.<\/p>\n

Public Innovation and Global Collaboration: EIB, Project Guardian and mBridge Accelerate Sovereign Infrastructure<\/strong><\/p>\n

IN ITS ROLE AS SOVEREIGN ISSUER,<\/em><\/strong> he European Investment Bank (EIB)<\/strong> issued its fifth digital bond of \u20ac100 million on November 15, 2024, settled with Bank of France wholesale CBDC tokens on DL3S, integrating platforms such as HSBC Orion and GS DAP. In April 2025, it launched a \u20ac3 billion Climate Awareness Bond aligned with EuGBS, demonstrating interoperability in its public innovation role for routine emissions in 2025-2026.<\/p>\n

Project Guardian<\/strong> of the MAS, in the role of Asian regulatory sandbox, evolved in 2025: in August it developed frameworks for asset tokenization, and in October it launched BLOOM<\/strong> for settlements in tokenized bank liabilities, with pilots like Ant International in multi-currency deposits. This highlights institutional DeFi in fixed income and FX, innovating with reference designs for DvP\/PvP.<\/p>\n

mBridge<\/strong>, led by the BIS in the role of a cross-border consortium, reached MVP in mid-2024 and, despite the departure of the BIS in October 2024, advanced in November 2025 with updates on collaboration, including central bank nodes such as PBoC and global observers (ECB, Fed). Focused on instant P2P payments, it reduces costs in emerging economies, but its future depends on regulatory harmonization.<\/p>\n

TokenLab\u2122 by META Channel corp.: The Practical Execution of Regulatory Certainty<\/strong><\/p>\n

This vision is not theoretical. In TokenLab<\/strong>, the execution division of META Channel Corporation<\/strong>, we already apply this model in real projects: from the tokenization of intellectual property rights in Spain to real estate structures in Latin America and, if necessary or interested in our client, under the ZEC hub of the Canary Islands<\/strong>.<\/p>\n

We convert illiquid assets into institutional-grade digital products\u2014legally sound, technologically auditable, and market-ready. always under the MiCA framework<\/strong>.<\/p>\n

We do not create speculative crypto; We build tangible value with legal support.<\/p>\n

THE INCORPORATION OF VISA IN OCTOBER 2025 <\/strong>accelerates convergence towards hybrid finance, with BlackRock, BBVA, EIB and consortia such as Guardian and mBridge reaching thresholds of scale and innovation in their specific roles that enhance \u2013 and anticipate \u2013 regulation.<\/p>\n

But, as in the previous analysis, this audacity contrasts with the certainty of META Channel Corporation<\/strong>: we work on the certainty of MiCA to tokenize real assets, developing processes that make the ecosystem viable without speculation.<\/p>\n

In this imposing panorama, MCC is not just another actor at the table; We are the specialized facilitator that ensures that innovation arrives with legal and operational solidity<\/strong>, positioning ourselves as essential allies in the era of regulated tokenization.<\/p>\n

Each actor plays its role on this global board\u2014some with pre-regulatory audacity, others with post-MiCA precision. Here we just want to update knowledge, share key movements and reflect on their impact.<\/p>\n

That said, we are convinced that MiCA, with the tweaks that are already being discussed in the EU, can be even more competitive** without losing its essence of legal certainty. We will talk about it in the next article.<\/p>\n

Antonio Tejeda Encinas | <\/strong>CEO, META Channel Corporation<\/p>\n","protected":false},"excerpt":{"rendered":"

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