We used to have that for a while, a few years back, and it was great. They dropped it though shortly after because aBuSe. They thought we wouldn't abuse it for some reason.
It was supposed to be a one time code for YOU to withdraw withoud having to bring a card BTW, not other people.
Monero does instant transactions, visa is proof of stake. They are unrelated things with different uses in mind. I don't understand how you compare the two. What can you do with oxen?