Intuit’s USDC-Circle Integration Reframes Its AI-Driven Fintech Platform

Circle-USDC partnership and SMB expansion could reshape Intuit’s fintech trajectory, enabling programmable payments and stronger cross‑product adoption.

Rich by Coin

2025-12-21

Intuit’s bull case could shift as the USDC integration and SMB platform expansion unfold. The company has been expanding its AI-powered financial platform to serve consumers and small businesses, and Circle’s multi-year partnership to bring USDC stablecoin infrastructure on board could accelerate this evolution. The goal is faster, cheaper, programmable money movement for payments and refunds within Intuit’s ecosystem.

The USDC-Circle integration is projected to reshape the AI-based platform narrative and broaden opportunities across financial services. By enabling programmable payments, Intuit aims to deepen customer engagement and drive cross-product adoption across TurboTax, QuickBooks, Credit Karma, Mailchimp, and international markets. While the Circle partnership and the rollout of Amazon Business Prime strengthen Intuit’s platform narrative, near-term emphasis on accelerating Mailchimp improvements and paid-customer growth keeps the trajectory uncertain.

Intuit’s broader push to expand adjacent financial services—payments, refunds, and value transfers—makes the Circle-USDC integration the most directly relevant development. Even with potential moderation in cost growth by fiscal 2026, deploying a USDC-enabled environment across TurboTax, QuickBooks, and Credit Karma could bolster customer stickiness and multi-product usage. Investors should weigh Mailchimp’s growth headwinds and user complexity when evaluating Intuit’s AI-driven growth thesis. This dynamic underscores why the USDC-Circle integration is a key driver but not the sole determinant of long-term value.

Intuit projects revenue of $26.9 billion and earnings of $6.2 billion by 2028, underscoring the long-range trajectory. Some forecasts imply a fair value around $805.22 per share, roughly 20% above today’s price. INTU’s 1-year price chart and fair-value estimates vary widely among analysts, reflecting differing views on Mailchimp’s growth and platform-scale potential. This uncertainty helps explain why the USDC-Circle integration remains a key, but not sole, driver of the stock’s long-term valuation.