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Mastercard memperkuat keamanan pembayaran stablecoin dengan teknologi pemantauan risiko transaksi. Layanan ini ditargetkan tersedia secara global pada 2027.

Liputan6.com, Jakarta -Mastercard meluncurkan layanan keamanan transaksi stablecoin untuk membantu lembaga keuangan mendeteksi penipuan, scam, dan risiko pelanggaran sanksi sebelum dana dikirim melalui jaringan blockchain.

Dikutip dari CoinMarketCap, Selasa (20/10/2026), layanan bernama Stablecoin Security diperkenalkan dalam acara Money20/20 USA. Mastercard menunjuk Borderless.xyz dan Keyrails sebagai mitra pertama, dengan peluncuran awal di Amerika Utara. Layanan ini ditargetkan tersedia secara komersial di seluruh dunia pada 2027.

Layanan tersebut menggabungkan data pembayaran konvensional dengan analisis blockchain untuk membantu bank dan penyedia pembayaran menilai risiko transaksi. Sistem ini menghasilkan skor risiko sebelum pembayaran diselesaikan sehingga lembaga keuangan dapat memutuskan apakah transaksi dilanjutkan atau diperiksa lebih lanjut.

Wakil Presiden Eksekutif Solusi Keamanan Mastercard, Ann Johnson, mengatakan lembaga keuangan membutuhkan informasi yang memadai seiring meningkatnya penggunaan stablecoin dalam sistem pembayaran internasional.

“Stablecoin menciptakan peluang baru untuk pertukaran nilai, tetapi lembaga keuangan membutuhkan informasi intelijen dan kontrol yang tepat agar dapat berpartisipasi dengan percaya diri,” ujar Johnson.

 

Lembaga Keuangan Kesulitan Melacak Aliran Dana

Stablecoin Security bekerja melalui antarmuka pemrograman aplikasi (API) yang dapat diintegrasikan dengan sistem keuangan yang sudah digunakan. Teknologi ini memeriksa detail pembayaran, asal dana, potensi keterkaitan dengan pihak yang terkena sanksi, serta indikasi penipuan dan kejahatan keuangan lainnya.

Mastercard mengutip riset terhadap 593 juta peristiwa transfer stablecoin dalam 141 juta transaksi Ethereum sepanjang 2025. Hasilnya, hampir 60 persen transfer melibatkan transaksi kompleks dengan beberapa tahapan, bukan sekadar pengiriman dana antara dua pihak.

Kondisi tersebut menyulitkan lembaga keuangan melacak aliran dana secara menyeluruh. Karena itu, Stablecoin Security dirancang untuk membantu memantau risiko di berbagai tahap transaksi.

Mastercard juga berencana mengembangkan layanan ini melalui BVNK, penyedia infrastruktur stablecoin yang diakuisisi pada Agustus. Pada 16 Oktober, Mastercard meluncurkan Global Money Platform bersama BVNK untuk mengintegrasikan rekening mata uang fiat, pembayaran stablecoin, dan konversi mata uang melalui satu API. Ekspansi Stablecoin Security melalui BVNK ditargetkan berlangsung pada 2027.