20th February, 2026 – Quantoz Payments is now a direct principal member of Visa. This means it can issue virtual Visa debit cards powered by its regulated e-money tokens on Algorand. The Netherlands-based, Dutch Central Bank licensed firm can now let users spend EURD, EURQ, and USDQ online, in stores, and through Apple Pay or Google Pay at more than 100 million merchants worldwide.
Quantoz can also act as a BIN sponsor, allowing fintechs and platforms to launch their own branded Visa cards without needing a traditional bank. This makes it easier to use regulated, programmable stablecoins for everyday payments across Europe.
High Signal Summary For A Quick Glance
- Quantoz can issue Visa cards directly funded by Algorand stablecoins like EURD, EURQ, and USDQ.
- Fintech platforms can launch Visa cards through Quantoz without relying on traditional banking infrastructure.
- MiCA-regulated e-money stablecoins become directly spendable at over 100 million Visa merchants globally.
- Marks a major step toward compliant, real-world spending using on-chain assets.
- Retail traders: Can spend EURD, EURQ, and USDQ directly at Visa merchants without fiat conversion.
- Stablecoin and ALGO holders: Gain real-world payment utility and stronger ecosystem demand.
- Institutions: Access compliant, programmable card infrastructure without bank intermediaries.
- Builders and fintechs: Can launch Visa cards using Quantoz as a BIN sponsor, accelerating adoption.
- Broader market: Raises the benchmark for MiCA-compliant, on-chain payment integrations.
Why Quantoz Secured Direct Visa Membership
Quantoz Payments, a Netherlands-based EMI licensed by the Dutch Central Bank since 2021, has been building on Algorand since November 2023. It launched EURD, Europe’s first regulated programmable electronic money token on a public blockchain, and later expanded MiCA-compliant USDQ and EURQ to Algorand in April 2025. Its focus is connecting regulated stablecoins with real-world utility through low-fee, instant-settlement infrastructure trusted by institutions.
Becoming a Visa principal member is the next step. Coinbase first earned this status in 2020, enabling global debit card expansion, followed by Wirex and Crypto.com. Now, Quantoz can let fintechs issue Visa virtual cards funded by EURD, EURQ, and USDQ wherever Visa is accepted.
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What the Announcement Didn’t Cover
While the partnership announcement is strong on vision and regulatory alignment, it leaves several practical questions unanswered. Quantoz and Visa shared no specific launch date or phased rollout timeline (only that “technical integration is currently underway”), named zero initial fintech partners or white-label clients, and gave no details on fees, card limits, KYC/AML processes for end users, or whether physical cards will follow the virtual-only offering.
The initiative is explicitly focused on the European market, with no mention of near-term expansion beyond Visa’s global acceptance network. Finally, the release is silent on projected on-chain metrics (TVL or volume uplift for EURD/EURQ/USDQ) or any early pilot results, meaning the real proof of adoption and Algorand network impact will only become visible once the first cards go live.
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What to Watch Next
Card rollout timeline: Integration is underway. Watch for the first public launch date of Quantoz virtual Visa cards in the coming months.
First fintech partners: Look for platforms announcing branded Visa cards using Quantoz as BIN sponsor.
On-chain metrics: Track TVL, transaction volume, and active wallets for EURD (1221682136), EURQ (2768422954), and USDQ after launch.
Broader adoption: Monitor new consumer and business use cases, updates from CEO Arnoud Star Busmann, and whether other MiCA compliant issuers secure similar Visa memberships.
