Could your next Amazon checkout skip Visa? Is Walmart quietly plotting to dominate crypto payments?

Key Highlights

• Retail giants Amazon and Walmart want to cut out Visa and Mastercard, replacing cards with their own digital dollars.
• The stablecoin strategy hinges on U.S. Congress passing pro-crypto legislation like the GENIUS Act—which could be decided within weeks.

Yello Paradisers! A financial earthquake may be forming beneath America’s largest retailers: Walmart and Amazon are reportedly exploring launching their own U.S. dollar-backed stablecoins, according to a Wall Street Journal scoop. If successful, this move wouldn’t just rattle banks and card networks—it could redefine how money moves in the global retail economy.

Amazon and Walmart aren’t just trying to save on credit card fees (though that alone is worth billions). They’re preparing to fully integrate blockchain rails into their checkout flows—both online and in-store. If you think crypto is just for tech bros, think again.

Their goal? Instant settlement, zero intermediaries, and global reach without slow, costly bank wires. These stablecoins would be pegged to the U.S. dollar, offering price stability while radically improving cash flow and payment speed—two areas where traditional banks lag far behind.

For Amazon, this also fuels its global e-commerce expansion. For Walmart, it’s a leap toward its long-standing dream of being a financial powerhouse for the unbanked and underbanked in the U.S.

The $1 Trillion Question: Will Congress Say Yes?

The biggest hurdle isn’t technology—it’s regulation.

Both projects hinge on the success of the GENIUS Act, a bipartisan stablecoin bill currently making its way through Congress. If passed, it will finally define how U.S. companies can issue and use stablecoins while ensuring full-dollar reserves, AML compliance, and consumer protections.

But until that law is passed, Amazon and Walmart can’t go live. And with hundreds of millions in potential savings, they’re not sitting idle—they’re lobbying hard behind the scenes.

If They Launch, Who Loses the Most?

• Visa, Mastercard, and big banks could see billions in transaction fees vanish.
  
  
• Fintechs like PayPal or Affirm may get boxed out of key retail channels.
  
  
• Stablecoin leaders like USDC or USDT might face powerful new competition with built-in user bases of hundreds of millions.
  
  

Crypto for the Masses—Or Corporate Control?

While many in the crypto space are excited about the legitimization of blockchain tech, others warn: This isn’t decentralization—it’s centralization 2.0. If Amazon or Walmart control the rails, will they also control your wallet, your refunds, and your transaction data?

It’s a fair concern—but it’s also a sign that crypto has truly gone mainstream. The question now is: will regulators allow it?

🧠 We break down moves like this first on our livestreams. Catch our deep dives on crypto adoption and stablecoin wars.

📺 Watch the YouTube stream here.

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Because when Amazon moves into your wallet… you better know what they’re planning.