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Vishu Bheda
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Medial • 12m
VISA isn't a credit card company. They're the world's most profitable middleman: No credit risk No bank ownership Just a 2.5% toll on $15.5T in yearly spending Here's their perfect business : 1. Let these numbers melt your brain: 14T+ processed annually 4B+ cards in circulation 30M+ transactions HOURLY 200+ countries 80M+ merchants 16,000+ banks But the true genius? They own ZERO of the money they move. 2. REVEALED: The Perfect Business Model VISA doesn't: Lend money Take credit risk Hold deposits Deal with customers Handle fraud losses They just... process data. Pure profit from moving electrons. 4. The "Network Effect Monster": Every new: Card makes banks happy Merchant makes cardholders happy Customer makes merchants happy Bank makes the network stronger The Result? An unstoppable flywheel that's printed money for 60+ years. VISA collects 2-3% of EVERY transaction. This is capitalism perfected. Their Technology Moat is INSANE.
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