Global payments infrastructure firm Mercuryo has partnered with Visa to expand real-time crypto-to-fiat off-ramping via Visa Direct. Announced on January 22, the integration allows eligible users to convert digital token balances into local currencies at low cost, directly onto Visa credit or debit cards. Funds can then be spent at over 150 million Visa-accepting merchant locations worldwide.
Visa Direct Embedded in Mercuryo's Global Infrastructure
Under the agreement, Mercuryo deepens Visa Direct integration across its global network, enhancing off-ramp services for users converting crypto into fiat. Visa Direct enables real-time money movement across brokerage, crypto, and digital bank accounts. Mercuryo said users can access funds in their local fiat currencies almost instantly, bypassing traditional withdrawal delays. The expanded coverage lets eligible users move digital tokens directly onto Visa cards without intermediate steps.
Off-Ramps Embedded Into Wallets and Exchanges
The partnership brings Visa Direct to Mercuryo's existing network of non-custodial wallets, exchanges, and payment platforms. According to Mercuryo, millions of users can access crypto-to-fiat conversion tools without leaving the platforms they already trust. Rather than transferring assets between multiple services, the Visa Direct integration embeds off-ramping directly into Web3 and fintech workflows. This approach aligns with an industry shift toward invisible infrastructure, where payments and conversions happen in the background.
Tackling Cross-Border Payments and Web3 Adoption
Mercuryo said the partnership supports faster and more efficient cross-border payments, a key use case for crypto and digital finance. Traditional cross-border transfers and digital asset cash-outs involve extended processing times and higher costs; the Visa integration significantly reduces these delays. As regulatory clarity improves in several jurisdictions, infrastructure providers focus on building compliant, scalable bridges between on-chain assets and traditional payment rails. Mercuryo framed the move as another step toward mass Web3 adoption by making it easier to access fiat liquidity when needed.
Executive Commentary: Speed and Simplicity
Petr Kozyakov, Co-Founder and CEO of Mercuryo, said the partnership enhances the platform's ability to deliver fast, low-cost conversions from digital assets to fiat. “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,” Kozyakov said. He added that traditionally, moving money across borders or cashing out from digital assets involved complex, time-consuming processes, and this collaboration minimizes such delays. 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.”
Mercuryo's Broader Web3 Strategy
Mercuryo positions itself as a payments infrastructure provider focused on efficient capital flow in Web3 and DeFi ecosystems. The company offers a range of on- and off-ramping solutions combining multiple payment methods into a single interface, lowering barriers for new users. Its non-custodial integrations and seamless on-chain connectivity aim to simplify interactions that traditionally required technical expertise. As competition among Web3 infrastructure providers intensifies, user experience and settlement speed become key differentiators. For Visa, the partnership reinforces its strategy of supporting digital asset use cases through regulated, real-time payment infrastructure. Visa Direct serves as a flexible rail connecting traditional and digital financial systems, including brokerage, crypto, and fintech platforms. The collaboration reflects how established payment networks choose integration over competition in the digital asset space.