I built a lot of bitcoin and lightning proof of concepts with Visa and the research team.

But you have to remember, visa serves the banks, and banks don’t really love bitcoin. When a major player starts to accept bitcoin as an alternative to paying merchant processing fees, I’d imagine a snowball effect begins and visa starts really moving on this front.

Until then, they’ve got a good thing going and game theoretically are not incentivized to change much.

Bonus: maybe an oracle? Visa is one of the most trusted brands in the world. Maybe custody services? They deal a lot with public private keys today and are well equipped with this. Maybe infrastructure? They have some of the highest uptime and reliability out of any company in the world.

But honestly, probably a CBDC platform for central and commercial banks.