Lessons from Visa Investor Day 2025: empowering cross-border innovation as an infrastructure bank

As global commerce becomes increasingly interconnected, the demand for seamless, scalable cross-border payments has never been greater. At Zenus Bank, we are at the forefront of this transformation—empowering financial institutions, fintechs, and payment providers with the infrastructure to thrive in a connected world. As a Visa Principal Member, we leverage our international banking license to facilitate access to multiple payment rails, driving innovation for our partners.

Visa’s recent Investor Day 2025 offered a compelling glimpse into the future of payments, with insights that resonate deeply with our role as an infrastructure bank. Here’s what we learned and how it shapes our vision for global financial connectivity.

1. Scale drives connectivity and innovation

Visa’s network, with over 4.7 billion branded cards and more than 150 million merchant locations worldwide, showcases how scale unlocks opportunities. This isn’t just impressive—it’s a blueprint for how infrastructure fosters innovation. Zenus builds on this by providing partners direct access to Visa’s payment rails and beyond, enabling effortless cross-border transfers. Visa’s success reinforces our belief that strategic scale can bridge gaps and power economic growth for our partners’ clients globally. 

2. Expanding payment rails for a unified future

Visa’s Investor Day highlighted its evolution beyond traditional card payments into account-to-account (A2A) transfers, commercial solutions, and a “network of networks” approach. This aligns seamlessly with Zenus’s business model. As a Visa Principal Member, we not only enable access to Visa rails but also complement them with:

• ACH
• Fedwire
• Multicurrency via SWIFT
• Stablecoins

Our platform empowers fintech and financial institution partners to offer a full spectrum of cross-border payment options, underpinned by Zenus’s robust real-time, API driven modular infrastructure. With a Serviceable Addressable Market (SAM) ex-China of $140 trillion, this multi-rail strategy inspires us to expand our tools, ensuring partners stay ahead in a dynamic payments landscape.

3. Financial strength drives partnership success

Visa’s financial resilience—$120 billion in free cash flow since 2016 and a market cap nearing $675 billion—underscores the value of a stable infrastructure model. Investor Day data also revealed significant growth potential, with total card volume (Visa, Mastercard, and local schemes) in Latin America and Eastern Europe projected to grow at 15% CAGR from 2022-2027, outpacing the 5.7% in the USA and 7.9% in Western Europe. At Zenus, our low-cost, high-value infrastructure enables partners to capitalize on these faster-growing regions, such as Asia-Pacific and Latin America, with confidence. 

4. Collaboration fuels innovation

Since launching its Developer Platform in 2016, Visa has fostered an open ecosystem, empowering fintechs to build on its network. This collaborative ethos defines Zenus’s identity. As an infrastructure bank, we’re more than a service provider—we’re a partner. Through APIs, white-label solutions, and direct access to Visa’s payment rails, we enable fintechs and institutions to craft tailored cross-border payment experiences. Visa’s “Visa-as-a-Service” mindset inspires us to refine our offerings, allowing partners to innovate globally without building their own infrastructure. 

5. An infinite runway for cross-border opportunities

Visa’s “infinite growth runway” highlights untapped potential in consumer payments, emerging markets, and value-added services—areas where cross-border solutions are critical. Faster-growth geographies like Asia-Pacific (12.4% CAGR), Eastern Europe (11.9%), and Latin America (15%) lead the charge, compared to slower growth in the USA (5.7%) and Western Europe (7.9%). As a network of networks, Zenus harnesses the power of individual systems—however large or dominant—into a unified ecosystem, creating a solution more valuable than the sum of its parts. Visa’s optimism fuels our drive to expand payment rail access, making cross-border finance faster, more affordable, and more inclusive through our partnerships. 

What this means for Zenus partners

Visa Investor Day 2025 was a testament to how infrastructure and collaboration shape the future of payments. For our partners, this translates into actionable benefits:

• Seamless Integration: Leverage Zenus’s international banking license and Visa Principal Membership to tap into a $140 trillion SAM ex-China and beyond via card networks and multi-rail systems.
• Cross-Border Efficiency: Utilize multiple payment rails tailored to your clients’ needs, from real-time transfers to bulk commercial payments.
• Scalable Growth: Build on our stable infrastructure to reach new markets, supported by data-driven insights into global payment trends.

As the payments landscape evolves, Zenus Bank remains the trusted infrastructure partner for fintechs and financial institutions. Inspired by Visa’s vision, we’re enhancing our platform to deliver unmatched flexibility and reach. The future of finance is interconnected—join us on this journey.