Really?  There are decentralized solutions that dwarf VISA's processing and data management capabilities.

There is this one thing, anybody can use it, it has the entire knowledge-base of mankind on it, plus endless entertainment in both textual and media forms, up to the second news, instant communications via a number of methods to suit your preference and much much more, no one owns it, its totally decentralized in its operation (although some evil no-gooders are attempting to change that for their own financial gain of wealth and power...anyway....) its called the internet.  Look it up, you'll be amazed!!