1-Cent Plan from Visa and Coinbase-Backed Stablecoin: Even for Million-Dollar Payments

OpenUSD (OUSD), a stablecoin venture backed by Stripe, Visa, Mastercard, Coinbase and Shopify, plans to cap its per-payment management fee at $0.01 regardless of transaction size and to share reserve income with its partners, according to private documents reviewed by CoinDesk. The flat-fee model would apply even to million-dollar payments, positioning OUSD as a low-cost settlement rail for merchants and payment processors. The involvement of major card networks and commerce platforms signals growing institutional interest in stablecoins as payment infrastructure rather than trading instruments. Details on the token's launch timing, reserve composition and revenue-sharing terms are expected to be disclosed later this year.