3.5 billion Mastercard customers gain access to DeFi thanks to Chainlink
- Chainlink and Mastercard connect fiat systems with DeFi, giving billions of customers direct access to cryptocurrencies.
- Swapper Direct Deposits replaces old, fragmented systems with a single onchain channel.
Chainlink has aligned with Mastercard and Swapper Finance to create a new path for over 3.5 billion Mastercard cardholders to free upto directly access decentralized finance. The new system, called Swapper Direct Deposits, connects the global fiat payment system with onchain protocols by leveraging Chainlink’s secure infrastructure.
The process runs through the Chainlink Runtime Environment CRE, which carries out the entire transaction flow on the chain, including identity verification, regulatory screening, fiat to cryptocurrency conversion, and settlement. Mastercard provides the payment basis via its global network and Swapper Finance handles the direct interaction with the customer.
How Chainlink is enabling 3.5B+ @Mastercard cardholders to access DeFi with @swapperfinance ↓ https://t.co/eaKiflOw3H pic.twitter.com/HtOPjm5RLS
— Chainlink (@chainlink) December 9, 2025
This partnership eliminates several steps typically required to get started with DeFi, such as separate KYC processes, payment setup and liquidity management, which were previously handled through separate systems.
Mastercard + Chainlink = DeFi access
With the launch of Swapper Direct Deposits, users can now use traditional cash cards, Web3 wallets or crypto transfers to deposit directly into DeFi protocols. This integration replaces the fragmented onboarding processes with a unified structure that works in a single onchain environment.
Roman Tirone, senior manager at Chainlink Labs, explained:
“We are excited to enable Direct Deposits with Mastercard and Swapper Finance to enable real-world payments directly in secure onchain workflows using the Chainlink Runtime Environment.”
The goal is to make the process routine for as many customers as possible, leveraging institutional-grade security while reducing abandonment rates caused by older, less optimized systems. Technical integration has already begun, with several Web3 platforms embedding direct deposits into their systems, suggesting growing demand for smoother DeFi access coupled with familiar payment tools.
Arthur, CTO of Swapper Finance, explains:
“This is the level of onboarding we always believed the industry needed… Our goal has always been to remove the barriers that keep billions of people from accessing DeFi, and now that future is becoming a reality.”
Currently Chainlink (LINK) is at 14,16 $ traded, after an increase of 3,51 % in the last 24 hours. Revenue also increased by 41.75% and reached $755.35 million.
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