Brazil’s Nubank Shakes Up Finance: Stablecoin Payments Now Live on Credit Cards
Nubank just dropped a crypto bombshell—stablecoin payments are officially live on their credit cards. No more waiting for traditional banking rails to catch up.
Cutting Through the Banking Red Tape
The move slashes transaction times from days to seconds. Customers bypass currency conversion fees while merchants get instant settlement. It's a direct challenge to Brazil's legacy financial infrastructure.
The Crypto-First Revolution
This isn't just another feature rollout—it's a strategic play for the digital-native generation. Nubank bets stablecoins will become the default for cross-border commerce, leaving SWIFT transfers looking like ancient relics.
Because nothing says financial innovation like reinventing banking with the very technology traditional banks spent years dismissing—until they couldn't ignore the profits anymore.
Nubank Integrates Stablecoin Payments into Credit Cards in Brazil
The Nubank stablecoin payments announcement actually represents a major shift in how Brazilian consumers can use their Nubank credit card for everyday transactions. This blockchain banking initiative was revealed during the Meridian 2025 conference, where the bank outlined its vision for combining digital assets with traditional banking infrastructure, along with some other plans.
Building on Previous Crypto Investment Strategy
Nubank’s stablecoin payments integration builds on previous digital asset investments that the bank made over the past few years. The bank initially purchased Bitcoin with 1 percent of its net assets back in 2022, and then expanded by adding four altcoins—Cardano, Cosmos, NEAR Protocol and also Algorand—in March 2025. These strategic moves laid out the foundation for today’s Nubank stablecoin payments capability.
Market Demand Actually Drives Innovation
Strong regional demand that’s been building up drove the decision to offer Nubank stablecoin payments. Brazilians already use stablecoins for 90 percent of crypto transactions by volume, according to the Central Bank of Brazil, right now. This existing demand for stable digital currencies made Nubank credit card integration a logical next step, even though it took some time to implement.
Similar patterns exist across Latin America as well. In Argentina, USDT and USDC made up 72 percent of crypto purchases in 2024, while Venezuela’s inflation pushed nearly half of small crypto transactions into stablecoins, demonstrating widespread Brazil cryptocurrency adoption trends.
Regulatory Support Enables Growth
Brazilian regulators support tokenized money initiatives, which is enabling Nubank’s blockchain banking advancement right now. The Central Bank of Brazil explores a digital real alongside comprehensive stablecoin regulations, and Congress debates legal frameworks allowing banks to issue tokenized deposits along with credit products.
Such regulatory clarity will in fact make stablecoins become daily banking products. Rivals are also planning the same – Itau Unibanco will roll out its own stablecoin one the rules become clear and Banco Inter believes stablecoins can complement Pix on cross-border payments.
The pilot program is guaranteed to offer reduced charges, expedited transactions, and even expanded credit in a place where inflation as well as a shortage of banking infrastructure have created enduring issues.The incorporation of Nubank proves that blockchain technology could actually address real banking issues, making finance inclusive and efficient throughout the globe, as the technology is still advancing.
