The Visa white paper explains how Instant Digital Issuance (IDI) delivers ready-to-use payment credentials in minutes, replacing the traditional 5–10 day card process. Benefits include faster activation, higher usage, and stronger retention. To prevent fraud, issuers should secure each stage: origination (ID verification, behavioral analytics, device tracking), onboarding (non-sequential PANs, dynamic CVV2, spend controls), activation (channel-based strategies, tokenization), and usage (credential notifications, authentication, screen masking). Visa supports issuers with APIs, token services, fraud management tools, and consulting to ensure secure, scalable IDI adoption.

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