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Visa has recently taken a significant step in the digital payments landscape by launching USDC settlement in the United States. This initiative opens up new avenues for small businesses and financial institutions, enabling them to settle obligations using Circle’s USDC, a fully reserved, dollar-denominated stablecoin. With over $3.5 billion in annualized stablecoin settlement volume, this move signals a transformation in how businesses can manage their transactions and treasury operations. The new settlement option allows U.S. issuers and acquirers to process transactions more efficiently over blockchain technology, promising benefits such as faster fund movement, seven-…

Visa has launched its Stablecoins Advisory Practice, aiming to assist businesses, including small enterprises, in capitalizing on the growing stablecoin market. With the market cap for stablecoins exceeding $250 billion, this initiative comes at a time when digital payments are rapidly evolving. As small business owners increasingly seek innovative financial solutions, Visa’s new service promises to provide them with an edge in navigating the complexities of stablecoin technology. According to Visa, their consulting arm, Visa Consulting & Analytics (VCA), combines extensive payments expertise with in-depth crypto knowledge, ensuring clients receive tailored insights …

Visa has officially launched its new Visa Commercial Solutions (VCS) Hub, aiming to revolutionize commercial payments for small businesses and fintechs alike. By integrating advanced technologies, including generative AI, Visa is transforming a traditionally complex landscape into a more accessible and streamlined system. This development holds significant implications for small business owners who are continually looking for ways to enhance their operations and improve cash flow management. The VCS Hub promises to dramatically simplify financial management for businesses by providing a unified platform that addresses various payment needs. This shift is particularly ben…

In a significant move aimed at modernizing payout systems for creators and gig workers, Visa has unveiled a pilot program that allows businesses to deliver funds directly to stablecoin wallets. This innovation promises to streamline financial transactions, providing faster access to funds for freelancers and small business owners alike, especially those operating in volatile markets or regions with limited banking infrastructure. Visa’s Direct Stablecoin Payouts pilot, announced at the Web Summit, enables businesses to fund payouts in fiat currency. Recipients can then receive these funds in USD-backed stablecoins like USD Coin (USDC). Chris Newkirk, President of Commerc…

In a rapidly evolving digital landscape, small businesses are being presented with an array of opportunities and challenges brought on by artificial intelligence (AI) and other emerging technologies. Visa Inc. recently announced the launch of its Trusted Agent Protocol, a framework aimed at enhancing security and trust in AI-driven commerce—an initiative that could significantly benefit small business owners navigating this new terrain. As AI-driven traffic to U.S. retail sites has skyrocketed by 4,700% over the past year, shoppers increasingly engage AI agents to search for products and make purchases on their behalf. While 85% of users affirm that AI has improved their…

A growing share of your customers already relies on AI to shop—and Visa says the next step is AI completing the purchase, not just suggesting what to buy. In a Dec. 18 announcement, Visa reported “hundreds of secure, agent-initiated transactions” completed with partners, positioning what it calls “agentic commerce” for broader rollout in 2026. Read the original Visa press release here. “We are seeing impressive progress in how AI will transform commerce, with many real-world transactions completed by Visa’s deep network of partners,” said Rubail Birwadker, SVP, Head of Growth Products & Partnerships, Visa. “This holiday season marks the end of an era. In 2026, AI ag…

At the recent Web Summit 2025, Visa revealed exciting developments aimed at empowering digital creators—a group increasingly recognized as vital small businesses. With their new 2025 Creator Report and plans for a collaboration with Karat Financial, Visa aims to provide modern tools and resources to help creators grow both locally and globally. Small business owners should pay close attention, as Visa’s initiatives highlight a critical shift in the marketplace: creators are not merely influencers; they are entrepreneurs vying for a strong foothold in the economy. Visa’s study, conducted in partnership with Morning Consult, surveyed over 1,000 TikTok creators from region…

As the holiday shopping season approaches, small business owners are facing a critical challenge: staying ahead of rapidly evolving fraud tactics that threaten their bottom lines. A recent report from Visa highlights five transformative forces reshaping the landscape of global payment security, urging businesses to take proactive steps in safeguarding their transactions. Visa’s Fall 2025 Biannual Threats Report, released to coincide with International Fraud Awareness Week, reveals that fraud is no longer the realm of individual crooks operating in isolation. “The payments ecosystem is experiencing a paradigm shift in how fraud operates,” says Paul Fabara, Visa’s Chief Ri…

Salesforce has announced a new collaboration with Vonage that could redefine how small businesses approach customer interactions and data management. By integrating Salesforce’s Data Cloud and Agentforce, Vonage aims to create a unified platform that leverages AI, cloud technology, and 5G innovation to enhance customer experience. For small business owners, this partnership offers pivotal benefits, practical applications, and some challenges to consider. The recent press release highlights how Vonage will implement Salesforce’s Data Cloud, a platform designed to unlock the full potential of enterprise data. This initiative creates a single source of truth, which delivers…

Walmart has unveiled Wally, a generative AI-powered assistant developed to enhance the productivity of its merchants by automating key merchandising tasks. The company announced the tool on March 18, describing it as a “productivity multiplier” designed to streamline data analysis, operational support, and reporting processes for Walmart’s sourcing teams. According to the company, Wally was built using Walmart’s proprietary data and is aimed at eliminating the manual effort traditionally required for core merchandising functions. Tasks such as data entry and analysis, root cause identification for product performance, advanced calculations, and how-to support are now han…

Walmart has introduced a new initiative called Grow with US, a voluntary four-step program aimed at helping small businesses succeed in Walmart stores and on its online Marketplace. Announced on April 29 by John Furner, President and CEO of Walmart U.S., the program is designed to simplify the process for U.S.-based entrepreneurs to navigate the complexities of retail and expand nationally. “We want small businesses to work with Walmart, but we know getting started can feel complex,” Furner said. “That’s why we’re unveiling Grow with US, a new program designed to provide U.S. small businesses with the training, mentorship and resources they need to grow with Walmart.” G…

Wedding websites have become essential for modern couples planning their special day. These platforms offer a unique and personalized touch to the wedding experience, allowing couples to showcase their love story, share important details with guests, and create a central hub for all wedding-related information. In this article, we explore some inspiring wedding website examples that demonstrate the power of these online platforms in creating memorable and engaging wedding celebrations. Why You Need a Wedding Website A wedding website is essential in today’s digital age, offering convenience and seamless information sharing. It simplifies RSVP management, provides a ce…

Business Interviews Can Optimism and Empathy Heal America’s Divides in Business?. Can empathy and optimism heal America’s political and economic divide. In this week’s episode of The Small Business Radio, where I talk Paul Johnson—civic entrepreneur, investor, former mayor of Phoenix, and author of “What’s Right with America”. Handmade Business How to Price Handmade Jewelry for Profit. When pricing your handmade jewelry, it’s crucial to take into account all aspects of production and market dynamics. Start by calculating your total costs, which include materials, labor, and overhead, plus a profit margin of around 20-30%. You’ll want to set an hourly labor rate and r…

For years, it’s been the commonly held belief that small businesses are the backbone of the U.S. economy. Has that changed? If so, what’s changing it or what’s threatening to make that commonly held belief to maybe not as true as it once was? This week, our expert panel from Small Biz Breakdown share their thoughts on the idea that small businesses are still the backbone of the U.S. economy. Check out their thoughts on that and so much more in this week’s episode of Small Biz Breakdown … Small Business News Roundup – February 16, 2025 Wildfires in Los Angeles Disrupt Employment and Pay, ADP Data Shows The Palisades and Eaton fires that swept through Los Angeles in Ja…

On this week’s episode of Small Biz Breakdown, our expert panel of six discusses the impact of agentic AI on businesses. Watch the back-and-forth between our panel on how many decisions agentic AI will make in the future compared to what it’s making (or not making) now. The panel also discusses recent economic data and what it means for small businesses. Check out those discussions and more in this week’s episode of Small Biz Breakdown: Small Business News Roundup – Feb. 9, 2025 Here’s a look at the top stories LexisNexis Enhances Nexis+ AI with Conversational Search for Faster, Transparent Business Intelligence LexisNexis Legal & Professional has introduced an…

A West Virginia man has been sentenced to three years in prison for failing to pay employment taxes withheld from his employees’ wages and for obstructing the IRS’ efforts to collect those taxes, the Department of Justice announced. According to court documents and evidence presented in court, Christopher Jason Smyth operated Stat EMS LLC, an ambulance service in Pineville, from 2012 through part of 2017. Prior to founding Stat EMS, Smyth operated another ambulance business that accrued millions of dollars in employment tax liabilities before filing for bankruptcy. He then created Stat EMS under a nominee owner while continuing to run the business in the same manner as b…

Brand guidelines serve as a blueprint for how your brand communicates and presents itself across various channels. They cover fundamental elements like logo usage, color schemes, typography, and tone of voice. By ensuring consistency, these guidelines not merely improve brand recognition but additionally build trust with consumers. This trust can lead to increased revenue, making brand guidelines a critical tool for any organization. But what specific benefits do they offer, and how can you effectively implement them? Key Takeaways Brand guidelines ensure consistent representation of a brand across all platforms, enhancing recognition and recall. They include specific…

Compliance training programs are structured initiatives that help employees understand regulations and legal requirements relevant to their roles. These programs are essential for mitigating risks and promoting a culture of safety and ethics within an organization. By engaging in effective compliance training, you not just protect your organization from potential penalties but likewise empower yourself to recognize and address compliance issues. So, what exactly should these training programs cover, and how can they be implemented effectively? Key Takeaways Compliance training programs educate employees on regulations and policies to ensure adherence and avoid legal p…

When starting a business, it’s crucial to understand the various types available. You can choose from sole proprietorships, partnerships, limited liability companies (LLCs), corporations, and nonprofit organizations, each with unique legal and tax implications. Furthermore, businesses can be service-based or product-based, and franchises offer another option. Knowing these distinctions will help you make informed decisions about your venture’s structure and direction. So, what factors should you consider when selecting the right type for your needs? Key Takeaways Businesses can be structured as Sole Proprietorships, Partnerships, LLCs, Corporations, or Nonprofit Organ…

If you’re considering a franchise opportunity, comprehension of the Franchise Disclosure Document (FDD) is vital. This legal document lays out fundamental information about the franchise, including the franchisor’s background, fees, and obligations. It’s designed to help you make informed decisions, with a mandatory 14-day review period to assess everything carefully. Knowing what’s in the FDD can greatly impact your franchise path, but many potential franchisees overlook its importance. What should you look for in this document? Key Takeaways The Franchise Disclosure Document (FDD) is a legal requirement for franchisors, detailing essential franchise information for …

Financial forecasting models are crucial tools that help businesses predict future financial performance based on historical data and market trends. By analyzing quantitative and qualitative information, these models guide important decisions regarding budgeting and resource allocation. Comprehending how these models work and the different types available can greatly impact a company’s financial viability. Exploring these aspects further will reveal how to effectively implement forecasting models for better business outcomes. Key Takeaways Financial forecasting models predict future financial outcomes using historical data and market trends for informed decision-makin…

Hard money loans for small businesses are a type of short-term financing secured by collateral, usually real estate or other valuable assets. These loans can provide quick access to funds, often within one to two business days, which can be vital for urgent financial needs. Nevertheless, they come with high interest rates, ranging from 8% to 45%. Comprehending their characteristics and implications is fundamental before deciding if this option fits your business needs. Key Takeaways Hard money loans provide quick funding for small businesses, using collateral such as property or assets to secure the loan. Approval processes are fast, with funds typically available wit…

Customer feedback analytics is essential for businesses aiming to improve their offerings and customer relationships. By analyzing feedback, you can elevate customer experience, boost retention rates, and make informed decisions. This process helps identify pain points and preferences, enabling targeted marketing strategies and nurturing innovation. As you explore the various benefits, you’ll discover how these insights can transform your operations and align your products with market demands. What specific advantages could your organization gain? Key Takeaways Enhances customer satisfaction by identifying pain points, leading to tailored products and services that ca…