Many people believe $V is a credit card company, surprise, it's a payment gateway, allowing the processing of payments and helping reduce fraud. $V helps set the interchange rate and takes a small fee from each transaction across its network.
I remember when i first came across payment ecosystem diagrams a few years back. I did not expect so many pathways. Particularly when you send international which is why come cryptocurrencies are a good substitute i.e. Less intermediaries for international payments.
P.S. not advocating any coins just making an observation.