# Сопутствующие статьи по теме Payments

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

Solayer Launches Real-Time Stablecoin Payments on Live InfiniSVM Mainnet

Solayer Labs has launched the public mainnet of its InfiniSVM network, enabling wallets, explorers, and dApps to connect. This infrastructure supports over 330,000 TPS with ~400ms finality, providing high-speed, real-time execution. One of the first products leveraging this is Solayer Pay, a stablecoin payment layer designed for fast, low-fee transactions. It features an incentive model with referral rewards and cashback, redistributing a portion of the 0.5% deposit fee. The platform also announced a $35 million ecosystem fund to support projects in DeFi, payments, and AI-driven onchain systems built on InfiniSVM.

TheNewsCrypto03/13 04:53

Ripple Just Shared Its Major Achievements As XRP Continues To Dominate Payments

Ripple has published a report detailing major achievements of its payments platform and XRP. The report highlights Ripple Payments' expansion into a global end-to-end platform that supports fiat, stablecoins, and digital assets like XRP. Operating under over 75 financial licenses in key markets, the platform simplifies cross-border transactions, reduces costs, and improves efficiency compared to traditional systems like SWIFT. Recent acquisitions, including Palisade and Rail, have enhanced custody, wallet, and treasury services. Ripple Payments now supports payouts in over 60 markets and has processed over $100 billion in transactions. Additionally, Ripple's stablecoin, RLUSD, surpassed a $1 billion market cap within a year of launch.

bitcoinist03/13 00:02

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

When AI Starts Paying with USDC, Circle's Victory and the Custodial Challenge of Funds

The article discusses the rise of AI agents as independent economic entities, highlighting that 99% of their payments are made using USDC, positioning Circle as a key beneficiary. Over a nine-month period, AI agents conducted 140 million transactions totaling $43 million, with an average transaction size of $0.31. This shift signifies AI's transition from conceptual to real economic activity, raising questions about financial infrastructure and asset management for autonomous agents. Circle’s three-layer infrastructure—stablecoin issuance, efficient on-chain settlement, and integration with traditional finance—enables seamless micro-payments. However, as AI agents accumulate capital, they will need to manage idle funds, creating opportunities for Real World Asset (RWA) tokenization. Projects like Ondo Finance are making RWA assets machine-readable and programmable, allowing AI agents to automate investments in tokenized treasury bonds or other low-risk assets. The integration of payment and asset management systems could enable AI agents to optimize operational efficiency by automatically investing surplus USDC into yield-generating RWA products. However, challenges remain, including data authenticity, model and liquidity risks, regulatory disparities, and technical security. The article concludes that while Circle provides the "payment nervous system" for AI economies, RWA must evolve to serve as the "energy storage system," ensuring AI agents can manage assets as efficiently as they execute transactions.

比推03/12 04:31

From X.com to X Money: Musk's 25-Year Ambition for a Super App

Elon Musk's X Money, set for early public access in April 2026, marks his return to the fintech ambitions that began with X.com (later PayPal). Announced via a post on X, the payment product aims to transform the platform into an "Everything App" inspired by China’s WeChat, integrating social, banking, and payment services. Key features include a 6% APY on deposits—significantly higher than typical U.S. savings accounts—P2P transfers, Visa-powered instant settlements, metal debit cards, and cashback rewards. X has partnered with Visa and secured money transmitter licenses in over 40 U.S. states, with user funds held at FDIC-insured Cross River Bank. However, X Money faces challenges: a mature payments market with entrenched competitors like PayPal and Apple Pay, user skepticism about storing money on a social platform, regulatory scrutiny over privacy, and cultural resistance to super apps in the U.S. While crypto integration (e.g., Dogecoin) remains speculative for now, Musk’s history with digital assets fuels market anticipation. Success hinges on overcoming trust barriers, achieving scale beyond the initial high-yield lure, expanding globally amid regulatory complexity, and building a sustainable revenue model. X Money represents a high-stakes experiment in merging social and financial ecosystems.

marsbit03/12 01:59

Circle Doubles in a Month: What Is the Market Betting On?

Circle's stock (CRCL) has experienced significant volatility, doubling in February 2025 after a sharp post-IPO decline. This surge occurred while Bitcoin fell 40%, indicating a decoupling from the broader crypto market. The key driver is a fundamental shift in how the market values Circle and its USDC stablecoin. Previously viewed as a cyclical crypto play, USDC's growth accelerated during the bear market, with its circulating supply rising 72% to a record $753 billion. This growth is increasingly driven by traditional finance and global payments, not speculative crypto trading. Major partnerships with Visa, Mastercard, JPMorgan, and Intuit are embedding USDC into mainstream payment infrastructure. The passage of the GENIUS Act in July 2025 provided a federal regulatory framework, creating a moat for compliant issuers like Circle and helping USDC gain market share against USDT. USDC also surpassed Tether in on-chain transaction volume. A major future growth narrative centers on AI Agent payments. Circle and others are developing infrastructure for machine-to-machine transactions, offering 24/7 settlement at a fraction of the cost of traditional systems. While current non-interest revenue from these new use cases remains under 5% of total revenue, the potential market is vast, with predictions of a multi-trillion-dollar stablecoin and AI Agent economy by 2030. Circle's $23 billion valuation largely bets on this future narrative becoming reality.

marsbit03/12 01:09

EvoCash Launches USD-Denominated Accounts with Real-Time Crypto-to-Fiat Conversion

EvoCash, a FinCEN-registered Money Services Business (MSB), has launched a financial platform offering USD-denominated accounts with real-time crypto-to-fiat conversion. It addresses banking challenges like frozen accounts and withdrawal delays faced by crypto users, particularly international freelancers, digital nomads, and cross-border businesses. The platform provides compliant on-ramp and off-ramp services, instant USDT-to-USD conversion, multi-asset trading, multichain support, and global access without requiring traditional banking relationships. User funds are safeguarded in segregated accounts through partner U.S. financial institutions. Future plans include a Visa card for spending crypto-backed balances. EvoCash aims to bridge Web3 and traditional finance with a compliance-first approach.

TheNewsCrypto03/11 12:41

Brad Garlinghouse Says 2026 Will Be A Defining Year For Ripple With XRP At The Center Of It

Ripple CEO Brad Garlinghouse has declared 2026 a "defining year" for the company, with XRP positioned at the center of its strategy. He emphasized that Ripple is strategically positioned in key markets with capabilities in payments, custody, and liquidity. Garlinghouse noted that adoption does not happen overnight but grows steadily through partnerships and incremental progress, comparing it to flipping "a thousand little switches" that collectively create exponential impact. He expressed strong optimism for the future, suggesting XRP investors could be in a "very happy place" within five years. The company is also integrating AI into its operations and has recently backed an AI startup. Additionally, experts speculate Ripple may soon obtain a Federal Reserve master account, which would significantly boost its stablecoin, RLUSD.

bitcoinist03/11 12:15

Ripple Plans BC Payments Acquisition to Expand in Australia

TheNewsCrypto03/11 05:58