Inside Mercuryo’s Visa Partnership
Updated
January 29, 2026 1:34 PM
Close up of Visa credit cards. PHOTO: ADOBE STOCK
Mercuryo is a fintech startup that builds the infrastructure to enable money to move seamlessly between crypto and traditional banking systems. In simple terms, it works on the problem of turning digital assets into usable cash.
As more people hold crypto through wallets and exchanges, one practical issue keeps arising: how do you actually withdraw that money and use it in the real world? For many users, converting tokens into local currency is still slow, confusing or expensive. That gap between “owning” crypto and being able to spend it is where Mercuryo operates.
The company’s latest step forward is a partnership with Visa to improve what is known as “off-ramping” — the process of converting crypto into fiat currency like dollars or euros. Until now, this has often been slow, expensive and confusing for users. Mercuryo is using Visa Direct, Visa’s real-time payments system, to make that process faster and more direct.
With this integration, users can convert their digital tokens into local currency and send the money straight to a Visa debit or credit card. The transaction happens through systems that already power global card payments, which means the money can arrive in near real time instead of days later.
Technically, this connects two very different worlds. On one side is blockchain-based crypto, which moves value on decentralised networks. On the other side is the traditional payment system, which runs on banks, cards and regulated rails. Mercuryo’s platform sits between the two and handles the conversion and movement of funds.
Instead of users leaving their wallet or exchange to cash out, Mercuryo allows the conversion to happen inside the apps and platforms they already use. The user does not need to understand the plumbing behind it. They just see that crypto becomes spendable money on their card.
This matters because access is what makes any financial system usable. If people cannot easily move their money, they treat it as locked or risky. Faster off-ramps make digital assets more practical, not just speculative.
Mercuryo’s work is not about creating new tokens or trading tools. It is about building the pipes that let money move smoothly between Web3 and the traditional financial world. The Visa partnership strengthens those pipes by using a global, trusted payments network that already works at scale.
Visa also framed the partnership as a bridge between systems. Anastasia Serikova, Head of Visa Direct, Europe, said: "By leveraging Visa Direct's capabilities, Mercuryo is not only making converting to fiat faster, simpler and more accessible than ever—it's building bridges between the crypto space and the traditional financial system. This integration empowers users to seamlessly convert digital assets into fiat in near real time, creating a more connected and convenient payment experience".
Over time, this kind of infrastructure is what determines whether crypto remains niche or becomes part of everyday finance. Not through headlines, but through systems that quietly reduce friction.
Mercuryo’s direction is clear: make digital assets easier to use, easier to exit and easier to connect to the money systems people already rely on.
Keep Reading
From information gaps to global access — how AI is reshaping the pursuit of knowledge.
Updated
January 8, 2026 6:33 PM
.jpg)
Paper cut-outs of robots sitting on a pile of books. PHOTO: FREEPIK
Encyclopaedias have always been mirrors of their time — from heavy leather-bound volumes in the 19th century to Wikipedia’s community-edited pages online. But as the world’s information multiplies faster than humans can catalogue it, even open platforms struggle to keep pace. Enter Botipedia, a new project from INSEAD, The Business School for the World, that reimagines how knowledge can be created, verified and shared using artificial intelligence.
At its core, Botipedia is powered by proprietary AI that automates the process of writing encyclopaedia entries. Instead of relying on volunteers or editors, it uses a system called Dynamic Multi-method Generation (DMG) — a method that combines hundreds of algorithms and curated datasets to produce high-quality, verifiable content. This AI doesn’t just summarise what already exists; it synthesises information from archives, satellite feeds and data libraries to generate original text grounded in facts.
What makes this innovation significant is the gap it fills in global access to knowledge. While Wikipedia hosts roughly 64 million English-language entries, languages like Swahili have fewer than 40,000 articles — leaving most of the world’s population outside the circle of easily available online information. Botipedia aims to close that gap by generating over 400 billion entries across 100 languages, ensuring that no subject, event or region is overlooked.
"We are creating Botipedia to provide everyone with equal access to information, with no language left behind", says Phil Parker, INSEAD Chaired Professor of Management Science, creator of Botipedia and holder of one of the pioneering patents in the field of generative AI. "We focus on content grounded in data and sources with full provenance, allowing the user to see as many perspectives as possible, as opposed to one potentially biased source".
Unlike many generative AI tools that depend on large language models (LLMs), Botipedia adapts its methods based on the type of content. For instance, weather data is generated using geo-spatial techniques to cover every possible coordinate on Earth. This targeted, multi-method approach helps boost both the accuracy and reliability of what it produces — key challenges in today’s AI-driven content landscape.
Additionally, the innovation is also energy-efficient. Its DMG system operates at a fraction of the processing power required by GPU-heavy models like ChatGPT, making it a sustainable alternative for large-scale content generation.
By combining AI precision, linguistic inclusivity and academic credibility, Botipedia positions itself as more than a digital library — it’s a step toward universal, unbiased access to verified knowledge.
"Botipedia is one of many initiatives of the Human and Machine Intelligence Institute (HUMII) that we are establishing at INSEAD", says Lily Fang, Dean of Research and Innovation at INSEAD. "It is a practical application that builds on INSEAD-linked IP to help people make better decisions with knowledge powered by technology. We want technologies that enhance the quality and meaning of our work and life, to retain human agency and value in the age of intelligence".
By harnessing AI to bridge gaps of language, geography and credibility, Botipedia points to a future where access to knowledge is no longer a privilege, but a shared global resource.