# Сопутствующие статьи по теме Fintech

Новостной центр HTX предлагает последние статьи и углубленный анализ по "Fintech", охватывающие рыночные тренды, новости проектов, развитие технологий и политику регулирования в криптоиндустрии.

Behind RedotPay's Potential US Listing: The Structural Logic and Regulatory Boundaries of a Stablecoin Payment Platform

RedotPay, a Hong Kong-based stablecoin payment platform, is reportedly considering a U.S. IPO with a potential valuation exceeding $4 billion. This move highlights broader questions about how such platforms structure their operations across regulatory boundaries. Beyond functioning as a simple payment card, RedotPay operates as an integrated financial account system offering services including custody, crypto swaps, lending, remittances, and yield-earning products. Its legal structure involves multiple entities across jurisdictions (Hong Kong, Panama, Argentina, and the U.S.), each handling specific services under distinct regulatory frameworks. For instance, its Crypto Earn service is explicitly not offered to Hong Kong residents and is managed by its Panama entity. The platform’s terms of service clearly define fund usage—such as pooled and non-segregated assets in its Earn product—and acknowledge credit functions, aligning with credit card logic in certain regions. While RedotPay explicitly disclaims being a bank or a stored value facility, regulatory scrutiny will likely focus on functional realities rather than contractual disclaimers. An IPO would subject RedotPay to intense scrutiny regarding legal structure consistency, customer asset handling, risk disclosure, and alignment between growth narratives and compliance practices. The company’s emphasis on detailed legal terms and jurisdictional clarity may strengthen its position, but the key challenge remains demonstrating that its multi-entity framework can withstand regulatory and investor due diligence. Ultimately, RedotPay’s a trend in PayFi where success depends not only on product innovation but also on the ability to maintain legally robust and explainable operational structures across diverse regulatory environments.

marsbit5 ч. назад

Behind RedotPay's Potential US Listing: The Structural Logic and Regulatory Boundaries of a Stablecoin Payment Platform

marsbit5 ч. назад

Behind Circle's Strong Stock Rebound: AI, Prediction Markets, and Institutional Adoption

Circle's stock (CRCL) experienced a strong rebound, rising over 45% in two days after its Q4 2025 earnings report, reaching a high of $90. Key drivers include USDC's growing transaction volume, which hit $18.3 trillion in 2025, surpassing USDT. The growth is attributed to AI agent payments via the x402 protocol, prediction markets like Polymarket, and institutional adoption fueled by regulatory support such as the GENIUS Act. Analysts from Bernstein maintain an "Outperform" rating with a $190 target, while Ark Invest and Vanguard have significantly increased their holdings. However, some analysts caution that the surge may be driven by short squeezes rather than fundamentals. Challenges remain, including competition from Coinbase and potential resistance from traditional banks.

Odaily星球日报Вчера 08:38

Behind Circle's Strong Stock Rebound: AI, Prediction Markets, and Institutional Adoption

Odaily星球日报Вчера 08:38

UK AI Agent Hack Ep4: The World's First University Hackathon with OpenClaw Theme is About to Begin

UK AI Agent Hackathon Ep4 with OpenClaw, co-hosted by Imperial AI Group and Imperial Blockchain Society, will take place from March 1st to 7th at Imperial College London. The event brings together industry leaders, investors, and policymakers to explore the integration of AI agents and decentralized infrastructure. Featured speakers include Robby Yung (Animoca Brands CEO) and former Stability AI CEO Emad Mostaque, alongside founders and executives from SuperCell, Compression Company, z.ai, and others. Venture capital firms such as BackedVC, Animoca Brands, and AdaVentures will discuss investment opportunities in AI and Web3. The hackathon is supported by sponsors including BGA, Virtual Protocol, Flock.io, and Animoca Brands. Winning teams will receive continued support from investors like Delphi Ventures and X Ventures. Registration is available via: https://luma.com/54b06cos

marsbitВчера 08:31

UK AI Agent Hack Ep4: The World's First University Hackathon with OpenClaw Theme is About to Begin

marsbitВчера 08:31

Ripple Makes New AI Bet As XRP Ledger Targets Agentic Payments

Ripple has invested in AI infrastructure startup t54 as part of a $5 million seed round, signaling a strategic move into autonomous payments and agent-driven financial systems. The investment aims to integrate the XRP Ledger as a key network for machine-to-machine commerce. t54 is developing a trust layer for the "agentic economy," focusing on verifiable agent identity (KYA), real-time risk assessment, and programmable accountability. The platform spans identity verification, risk management, credit, and settlement, with support for multiple blockchains including XRPL, Solana, and Base. Ripple executives emphasized the need for evolved financial infrastructure as AI agents become active economic participants. Survey data cited by t54 indicates growing consumer willingness to delegate financial tasks to AI, contingent on robust security. At the time of reporting, XRP was trading at $1.4397.

bitcoinist2 дня назад 19:02

Ripple Makes New AI Bet As XRP Ledger Targets Agentic Payments

bitcoinist2 дня назад 19:02

Oobit, Backed by Tether, Expands to Crypto-to-Bank Transfer

Oobit, a cryptocurrency payment application backed by Tether, has expanded its services by launching a crypto-to-bank transfer function. This feature allows users to move funds from self-custody wallets directly to bank accounts using domestic payment networks. It currently supports major fiat currencies including the US Dollar, Euro, Philippine Peso, and Mexican Peso, and works with cryptocurrencies such as Bitcoin, Ethereum, Solana, XRP, Cardano, and stablecoins like USDT and USDC. According to CEO Amram Adar, this service differentiates itself from traditional off-ramp providers by keeping all core aspects—including user relationships, transaction experience, and wallet custody—within Oobit’s ecosystem. Transfer limits range from approximately €10 to $50,000, with fees including a fixed $1 or 1% transaction charge, plus a 0.5% spread on conversions to US Dollars. The move aims to enhance seamless fund movement and strengthen Oobit's position in the competitive crypto payments market.

TheNewsCrypto02/25 11:40

Oobit, Backed by Tether, Expands to Crypto-to-Bank Transfer

TheNewsCrypto02/25 11:40

Stripe Explores PayPal Acquisition: Report

Stripe is reportedly exploring an acquisition of PayPal, a move that could significantly reshape the global payments industry. According to sources, early-stage talks are underway, though no deal has been finalized. The potential acquisition comes as Stripe’s valuation recently surged to $159 billion, reflecting its rapid growth. Meanwhile, PayPal has faced increasing competition from Apple Pay and Google Pay, leadership changes, and declining stock performance. Both companies have also expanded into digital assets, with PayPal launching a stablecoin and Stripe receiving regulatory approval for its crypto platform. A merger could create a dominant player in both traditional and blockchain-based payments, highlighting ongoing consolidation in the fintech sector.

TheNewsCrypto02/25 07:30

Stripe Explores PayPal Acquisition: Report

TheNewsCrypto02/25 07:30

The Person Who 'Killed' PayPal Wants to Buy It

A potential acquisition that could reshape the global payments landscape is under discussion, as Stripe—valued at $159 billion—is reportedly considering acquiring all or parts of PayPal, which has a market cap of just $43 billion. The news drove PayPal’s stock up nearly 7%. PayPal has faced significant challenges: its stock fell 46% over the past year amid rising competition from Apple Pay, Google Pay, and agile rivals like Adyen and Stripe. Despite its vast user network of 438 million active accounts and strong presence in cross-border transactions, PayPal has struggled to keep pace with shifting user behaviors and the rise of embedded and social payments. However, PayPal retains valuable assets, including Braintree (processing around $700 billion annually), Venmo (with 100 million monthly active users), and a deeply entrenched global payments infrastructure. A key underlying motive for the deal is stablecoins. PayPal launched its own stablecoin, PYUSD, adopting a centralized approach to digital currency. In contrast, Stripe has pursued an infrastructure-focused strategy, acquiring stablecoin infrastructure firm Bridge and launching “Open Issuance”—a platform that enables businesses to issue their own stablecoins. Stripe is also developing Tempo, a Layer-1 blockchain aimed at challenging traditional settlement networks like SWIFT. A combined Stripe-PayPal entity could create a powerful Web3 payment ecosystem, integrating PYUSD with Tempo’s fast, low-cost transactions and leveraging Venmo’s user base. This could also support emerging use cases like AI Agent payments, where machines transact autonomously using crypto wallets. Regulatory and cultural hurdles remain significant, and the deal is still in early stages. But the talks signal a broader industry shift: future dominance in payments may belong to those who control next-generation infrastructure, not just scale.

比推02/24 23:42

The Person Who 'Killed' PayPal Wants to Buy It

比推02/24 23:42

RedotPay Eyes $1B US IPO at $4B+ Valuation

Hong Kong-based stablecoin payments firm RedotPay is reportedly preparing for a potential US IPO that could raise over $1 billion, valuing the company at more than $4 billion. The company is working with major banks including JPMorgan Chase and Goldman Sachs on the offering, which may occur as early as this year. Launched in April 2023, RedotPay has grown rapidly, serving 6 million users and processing $10 billion in annualized payment volume. It offers stablecoin-linked payment cards, multi-currency wallets, and cross-border payment solutions. In 2025, the company raised $194 million across three funding rounds, achieving unicorn status. The move reflects broader investor interest in stablecoin infrastructure, as firms like RedotPay bridge traditional finance with blockchain-based settlement systems. A successful IPO would mark a significant milestone for the stablecoin payments industry.

TheNewsCrypto02/24 12:27

RedotPay Eyes $1B US IPO at $4B+ Valuation

TheNewsCrypto02/24 12:27

The Payment Empire PayPal Might Be Bought Out

The once-dominant global payment giant PayPal is reportedly facing a potential acquisition, as its market value plummeted from a pandemic peak of $363 billion to a recent low of $38 billion—a nearly 90% drop over five years. Despite its pioneering role in enabling cross-border e-commerce, particularly for Chinese exporters in the mid-2000s, PayPal has struggled to keep pace with newer, more agile competitors like Stripe, Apple Pay, and various neobanks. Recent financial performance has been weak, with active user growth slowing to just 1% and transaction volume declining. The abrupt departure of its CEO and appointment of a new leader from HP—known for cost-cutting rather than product innovation—has fueled market skepticism. Critics, including former executive David Marcus, argue that PayPal lost its "mojo" by shifting from a product-driven to a finance-oriented culture, sacrificing long-term vision for short-term financial optimization. While subsidiary Venmo shows strong revenue growth and has become a verb among U.S. millennials, it faces challenges: user growth is stagnant, it remains confined to the U.S., and it lacks deeper integration like Stripe or the hardware-level ease of Apple Pay. PayPal’s bets on stablecoins (PYUSD) and AI-driven agentic payments are still unproven in highly competitive fields. Despite valuable assets—including Braintree’s infrastructure, a leading BNPL service, and 400 million active accounts—PayPal’s future as an independent company is uncertain. Market confidence now seems higher in a potential acquisition than in its standalone prospects, marking a dramatic fall for a former fintech disruptor.

marsbit02/24 11:44

The Payment Empire PayPal Might Be Bought Out

marsbit02/24 11:44

The War Between Stablecoins and Banking May Not Actually Exist

The article argues that the perceived war between stablecoins and traditional banking is largely illusory, drawing a parallel to the "Javon's Paradox" where technological efficiency (like ATMs) expands, rather than shrinks, an industry. From the supply side, blockchain and stablecoins are dismantling fragmented global payment infrastructures, replacing them with a single, open ledger. This drastically reduces the cost and complexity of offering financial services, enabling companies like Sling Money to operate globally with a small team. Examples like M-Pesa in Kenya and UPI in India show that lowering transaction costs to near zero leads to a massive expansion in financial inclusion, serving previously unbanked populations. On the cost side, the piece highlights the immense compliance burden on banks, which spend hundreds of billions annually on tasks like auditing and reconciling opaque transactions across correspondent banks. Shared ledger technology directly solves this by providing a single source of truth, eliminating reconciliation layers. Projects like J.P. Morgan's Onyx and the Canton Network demonstrate how banks are using this technology to achieve near-instant settlement and free up trapped capital. The convergence of these forces—lower barriers to entry and reduced internal operational costs—points to a future where more financial services are available to more people at a lower cost, much like cloud computing democratized access to computing power. The conclusion is that stablecoins will not destroy the banking system but will instead become a foundational infrastructure upon which more products are built, ultimately expanding the entire market.

Odaily星球日报02/23 12:47

The War Between Stablecoins and Banking May Not Actually Exist