# Сопутствующие статьи по теме Mastercard

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

Dialogue with Circle's Chief Commercial Officer: Partnering with Mastercard to Accelerate the Adoption of Crypto Payments, Stablecoins' Future Extends Beyond Trading

Circle, the issuer of the USDC stablecoin with a market cap exceeding $77 billion, is expanding its focus beyond stablecoins to build a comprehensive internet financial platform. The company is developing infrastructure—including developer tools, a payment network, and its own blockchain, Arc—to facilitate the transition of financial services to blockchain technology. This shift promises faster, cheaper, and more transparent global payments. In a recent interview, Circle's Chief Business Officer Kash Razzaghi emphasized that modernizing the financial ecosystem is too large a task for any single entity, highlighting the importance of partnerships, such as with Mastercard. He noted that Mastercard’s involvement lends credibility and accelerates the adoption of blockchain-based payments. Razzaghi identified three primary use cases for stablecoins: trading and investment (currently the dominant use), cross-border payments (due to lower costs and faster settlement), and store of value (especially in countries experiencing hyperinflation). He believes mainstream adoption will occur when the underlying technology becomes so seamless that users are unaware they are using stablecoins—similar to how people use the internet without understanding HTTP. Reflecting on his diverse career spanning sports, media, and fashion, Razzaghi underscored that his passion for mission-driven problem-solving and business development prepared him for his role in advancing blockchain-based financial infrastructure.

marsbit03/13 06:12

Dialogue with Circle's Chief Commercial Officer: Partnering with Mastercard to Accelerate the Adoption of Crypto Payments, Stablecoins' Future Extends Beyond Trading

marsbit03/13 06:12

Bybit Pay Integrates Mastercard Crypto Credential for Alias-Based Crypto Transfers

Bybit, the world's second-largest cryptocurrency exchange by trading volume, has integrated its payment service, Bybit Pay, with the Mastercard Crypto Credential network. This integration enables users to send and receive digital assets using simple, verified aliases like an email address or phone number, eliminating the need for long, complex wallet addresses. Mastercard Crypto Credential verifies that both sender and receiver are registered, compliant, and that their wallets are technically compatible with the chosen asset and blockchain before any transaction occurs. This pre-transaction validation reduces the risk of errors, misdirected funds, and failed transfers. Key features include alias-based transfers, pre-transaction verification, global multi-chain interoperability, and built-in trust assurances. The partnership aims to make crypto transactions as simple and secure as traditional payments, furthering the adoption of digital assets in everyday life.

TheNewsCrypto03/12 23:30

Bybit Pay Integrates Mastercard Crypto Credential for Alias-Based Crypto Transfers

TheNewsCrypto03/12 23:30

Mastercard Welcomes Ripple, Binance, And 83 Other Firms Into New Crypto Partner Program

Mastercard has launched a new global crypto partnership program, integrating over 85 firms—including Ripple, Binance, Circle, PayPal, and Gemini—into its payment network. The initiative aims to bridge digital assets with traditional finance by offering services like card programs, cross-border settlements, and merchant acceptance. Separately, Ripple announced plans to acquire an Australian Financial Services License to expand its payment offerings in the region. Meanwhile, Binance filed a defamation lawsuit against The Wall Street Journal over a disputed article. At the time of writing, XRP traded at $1.38, down 3% in 24 hours.

bitcoinist03/12 07:02

Mastercard Welcomes Ripple, Binance, And 83 Other Firms Into New Crypto Partner Program

bitcoinist03/12 07:02

OKX Receives Stablecoin Related PI License for European Advancement

OKX, a cryptocurrency exchange, has obtained a Payment Institution (PI) License in Malta, significantly expanding its access to the European market. This license ensures compliance with the EU's MiCA and PSD2 regulations, specifically authorizing stablecoin-related payment services. The approval supports OKX's existing products, including the OKX Card launched with Mastercard, which allows users to pay with stablecoins at any merchant accepting Mastercard across the European Economic Area. According to OKX Europe CEO Erald Ghoos, this regulatory milestone enables compliant operations and supports the growing adoption of stablecoins in the EU. The development occurs amid global regulatory discussions, including U.S. efforts to pass federal digital asset rules.

TheNewsCrypto02/16 11:40

OKX Receives Stablecoin Related PI License for European Advancement

TheNewsCrypto02/16 11:40

Claiming 'KYC-Free Global Payments', Inevitable Shutdown Within 6 Months

Cryptocurrency cards marketed as "No-KYC global payment" solutions are fundamentally unsustainable and inevitably face shutdown within 6 months due to structural and regulatory realities. These cards rely on exploiting corporate card programs, where a company undergoes business verification (KYB) to issue cards to "employees" without individual KYC. However, Visa and Mastercard's strictly regulated networks mandate that all end-users must be identifiable. When these projects gain traction and transaction volume increases, they attract scrutiny from card networks or issuing banks. Compliance reviews quickly identify the misuse of the corporate card model, leading to account freezes, project termination, and often frozen user funds. Users are attracted to these cards due to privacy concerns or lack of access, but they bear significant risks. Legally, users are not bank customers; their funds are controlled by the company holding the master account, offering no deposit insurance or consumer protection. When projects collapse, users face frozen balances and difficult refund processes. Legitimate alternatives exist, such as low-limit prepaid cards or gift cards purchased with crypto, but they operate within strict boundaries. The only structurally honest path to sustainable no-KYC payments lies outside the Visa/Mastercard duopoly, by building crypto-native networks that integrate directly with payment acquirers, though this approach is more complex and less common. Ultimately, any card bearing a Visa or Mastercard logo that promises high limits without KYC is built on a temporary and fragile foundation destined to fail.

比推02/10 12:11

Claiming 'KYC-Free Global Payments', Inevitable Shutdown Within 6 Months

比推02/10 12:11

Why Crypto Cards That Bypass KYC Are Doomed to Fail?

In the crypto world, "KYC-free crypto cards" are often marketed as tools for financial privacy and accessibility, but they are structurally doomed to fail. These cards rely on Visa or Mastercard networks, which are tightly regulated and require user identification. Most "KYC-free" products exploit a corporate card loophole: a company undergoes KYC (Know Your Business), then issues cards to "employees" (users) without individual verification. This setup is inherently fragile and violates network rules. Such projects follow a predictable lifecycle: initial success, growing visibility, compliance scrutiny, and eventual shutdown within 6–12 months. When terminated, users risk frozen funds with no legal recourse, as they are not direct bank customers. Legitimate alternatives like low-limit prepaid cards or gift cards exist but have strict constraints. The only sustainable path for non-KYC payments is to bypass Visa/Mastercard entirely by building crypto-native networks that integrate directly with acquirers, though this is technically challenging. Ultimately, any card bearing Visa/Mastercard logos and promising high limits without KYC is either misrepresenting its structure or destined for failure.

marsbit02/10 10:50

Why Crypto Cards That Bypass KYC Are Doomed to Fail?

marsbit02/10 10:50

Circle CEO Says USDC Is Financial Infrastructure, Not a Rival to Visa or Mastercard

Circle CEO Jeremy Allaire stated that the USDC stablecoin is designed as financial infrastructure rather than a competitor to traditional payment giants like Visa or Mastercard. Speaking at the Davos Economic Forum, Allaire emphasized that these companies are "significant partners," not rivals. He described USDC as a network-effect business whose utility grows as more developers and financial institutions build on it. Allaire positioned Circle as a neutral company focused on enabling value transfer across both conventional and digital systems without directly challenging existing organizations. He also highlighted the evolving payment landscape, noting the potential for automation and AI to transform processes. This perspective comes amid growing interest in stablecoins and digital settlement solutions from the financial sector. The comments reflect a strategic emphasis on integration and collaboration with established payment networks, rather than competition, underscoring the role of stablecoins as complementary infrastructure within the broader financial ecosystem.

TheNewsCrypto01/23 12:38

Circle CEO Says USDC Is Financial Infrastructure, Not a Rival to Visa or Mastercard

TheNewsCrypto01/23 12:38

A 10,000-Word Exploration of Stablecoin Payments: How Crypto Cards Connect Digital Assets with Global Commerce

"Stablecoin-Powered Crypto Cards: Connecting Digital Assets to Global Commerce" The crypto card market, enabling users to spend stablecoins and cryptocurrencies at traditional merchants, is one of the fastest-growing segments in digital payments. Transaction volume has surged from ~$100 million monthly in early 2023 to over $1.5 billion by late 2025, with a 106% CAGR, rivaling P2P stablecoin transfers. The infrastructure stack consists of three layers: payment networks (Visa dominates with ~90% of on-chain volume), card program managers/issuers, and consumer-facing products. A key development is the rise of full-stack issuers like Rain and Reap, which bypass traditional banks to capture more value per transaction. Geographically, the opportunity is concentrated where stablecoins solve real problems: India (massive crypto inflows but a large banking gap) and Argentina (high USDC adoption for inflation hedging). In developed markets, the focus is on serving differentiated, high-value user groups. Key drivers include: - **Exchanges & DeFi Protocols:** Using cards as a user acquisition tool, subsidizing rewards to drive platform engagement and profitable balances. - **Wallets:** Boosting Average Revenue Per User (ARPU) through transaction fees and creating ecosystem lock-in via native stablecoins (e.g., MetaMask's mUSD, Phantom's CASH). - **Emerging Market FinTechs:** Providing "last-mile" access to digital dollars for users facing hyperinflation and poor banking infrastructure. The future lies not at the point-of-sale but in back-end settlement. Crypto cards represent a fusion:银行卡 provide universal acceptance; stablecoins provide cross-border value storage. While direct merchant acceptance of stablecoins faces significant adoption hurdles due to entrenched card network effects, crypto cards serve as the crucial bridge, making them foundational infrastructure for the next phase of stablecoin adoption.

marsbit01/20 07:35

A 10,000-Word Exploration of Stablecoin Payments: How Crypto Cards Connect Digital Assets with Global Commerce

marsbit01/20 07:35

Crypto card payments overtake P2P stablecoin transfers: Artemis report

According to a blockchain analytics report by Artemis, crypto card payments have surpassed peer-to-peer (P2P) stablecoin transfers as the primary driver of on-chain stablecoin activity. The data shows that crypto card payments now operate at a monthly run rate exceeding $15 billion, compared to approximately $11 billion for P2P transfers. This shift indicates that stablecoins are increasingly being used through traditional card networks rather than through direct on-chain transactions. Visa dominates this segment, accounting for over 80% of the tracked volume, while Mastercard holds a smaller but growing share. The growth is attributed to expanding merchant acceptance and integration with existing payment infrastructure, allowing users to spend stablecoins without requiring merchants to directly accept crypto. Although P2P transfers remain important for remittances and cross-border settlements, their growth has been slower. The report highlights a structural evolution in stablecoin usage—from infrastructure-led to interface-led adoption—where cards act as the primary user-facing access point, embedding crypto liquidity into global commerce and driving mainstream adoption.

ambcrypto01/15 23:57

Crypto card payments overtake P2P stablecoin transfers: Artemis report