Transforming Daily Payments: The Rise of Non-Custodial Solutions with Stablecoins

The Revolution Coming to Latin America

The cryptocurrency ecosystem has reached a tipping point. While major financial institutions explore integrating stablecoins into their operations, a fundamental question remains unanswered for millions of users: how to spend cryptocurrencies without giving up control of your funds?

This is the gap that an innovative non-custodial Visa card launched on January 29, 2025, aims to close, specifically designed for USDT transactions in El Salvador. The project represents a paradigm shift in how we think about digital payments and financial autonomy.

The Problem with Traditional Custodial Services

For years, anyone wanting to use cryptocurrencies in stores had to trust intermediaries. The typical process was cumbersome: transferring funds to a platform, waiting for confirmations, facing hidden fees. But more importantly, you had to deposit your trust in third parties to custody your assets.

Non-custodial solutions change all this. By allowing users to keep their funds in their own digital wallets while spending directly from them, an unnecessary layer of intermediation is eliminated. It’s not just a technical improvement; it’s a different philosophy about who truly controls your money.

How This New USDT Card Works

The non-custodial Visa card allows for something seemingly simple but revolutionary: spending USDT directly from your wallet without the need to preload balances. Behind this simplicity lies sophisticated blockchain technology.

Scalable Technical Infrastructure

The system processes $40 million in daily transaction volume by connecting stablecoins with local payment systems. The integration is particularly effective in regions where platforms like PIX ( in Brazil ) are already deeply integrated into users’ daily lives.

Speed and Accessibility

Transactions are processed via QR codes, enabling instant payments. Settlements occur in real-time, transforming what was once a slow transaction into a smooth process, comparable to using traditional debit cards.

No Hidden Transfer Fees

A distinctive feature: receiving USDT or other stablecoins incurs no gas fees. This democratizes microtransactions and makes it viable to use cryptocurrencies for low-value transactions.

Why El Salvador Is the Perfect Scenario?

The country aims to position itself as a global pioneer in cryptocurrency adoption, with a growing population of digital-native users and an open financial infrastructure for experimentation. These conditions create the ideal environment for emerging technology pilots.

The initial launch in El Salvador serves as a proof of concept before expanding into Argentina, Mexico, Colombia, and other emerging markets with similar characteristics.

Privacy and Control: Technologies of the Future

Truther is considering migrating to the Liquid network, a blockchain specifically designed to prioritize privacy and anonymity. This move underscores a broader trend: users are no longer willing to compromise their financial privacy in exchange for convenience.

The Polygon blockchain, where the card will initially operate, offers advantages in scalability and transaction costs, but the transition to Liquid points toward where the industry is heading: solutions that protect both user privacy and functionality.

The Stablecoin Market Is Accelerating

Transaction volumes with stablecoins are projected to triple in the next 12 months. This growth is driven by:

• Increased institutional adoption in emerging markets
• Clearer regulations on cryptocurrencies worldwide
• Improved tools for converting crypto to fiat money
• APIs like Swapix enabling instant swaps without intermediaries

Truther is diversifying its stablecoin offerings to include local currencies, such as tokens linked to the Argentine peso, available from early 2025. This localized strategy significantly broadens the appeal of cryptocurrency payment solutions.

Financial Inclusion: The True Impact

Beyond technology, these cards represent a tool for financial inclusion. In regions where millions lack access to traditional banking services, a solution that enables:

• Real-time payments
• Significantly reduced costs
• No intermediaries arbitrarily closing accounts
• Access via a smartphone

…can be transformative.

Strategic Partnerships and Market Validation

The collaboration between Visa and innovative stablecoin platforms is no coincidence. It validates that cryptocurrency payments are not a speculative experiment but a genuine evolution of how global payment systems will operate.

Visa is also exploring pilot programs to pay digital creators and freelancers in stablecoins, signaling its long-term commitment to this transformation.

What Comes Next

2025 will be crucial. If the pilot in El Salvador demonstrates that users truly adopt these non-custodial cards, expansion will be inevitable. Business models will adjust, regulations will evolve, and cryptocurrency payment solutions will shift from a niche to mainstream options.

The question is no longer if stablecoins will transform payments, but when and how. Non-custodial Visa cards represent an answer: maintaining all the security and privacy of cryptocurrencies while providing the practicality everyday users need.