Visa has identified a $40 trillion opportunity in the global credit market through the adoption of stablecoins. According to a report, stablecoins have facilitated $670 billion in loans to 1.1 million borrowers, with an average loan size of $121,000 as of August. USDT and USDC dominate this sector, comprising 98% of stablecoin lending and over 80% of the circulating supply. The report also highlights regulatory developments, such as the U.S. GENIUS Act, which has contributed to a $100 billion increase in stablecoin capitalization since January. Despite these advancements, the International Monetary Fund has expressed concerns about potential risks to monetary policy and credit stability as tokenized lending continues to grow.