# Сопутствующие статьи по теме Payments

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

a16z Crypto Founder: Web3's WhatsApp Moment Has Arrived

Chris Dixon, a general partner at a16z Crypto, argues that stablecoins are ushering in Web3's "WhatsApp moment" by revolutionizing global payments, similar to how messaging apps eliminated SMS costs. These dollar-pegged cryptocurrencies processed over $12 trillion in transactions last year (excluding non-human activity), nearing Visa's volume but at a fraction of the cost. Stablecoins are making financial transactions nearly free, fast, and programmable, embedding the internet's openness into finance. While currently used mostly in crypto-native and global commerce, adoption is expanding as integration with traditional finance improves. Major companies like Stripe, Fidelity, and SpaceX are already using them to cut fees, facilitate cross-border payroll, and operate in regions with fragile banking systems. Importantly, stablecoins are reinforcing the dollar's dominance, with issuers like Circle and Tether now holding nearly $140 billion in U.S. Treasuries, potentially becoming top holders. With clear regulations, such as the proposed Clarity Act, stablecoins could form the backbone of a new, open global financial system.

marsbit02/13 07:12

a16z Crypto Founder: Web3's WhatsApp Moment Has Arrived

marsbit02/13 07:12

Morph Integrates USDT0, Unlocking Access to the World’s Largest Stablecoin Liquidity Pool

Morph, an Ethereum-based payments settlement network, has integrated USDT0, the omnichain Tether liquidity network powered by LayerZero. This integration provides Morph with direct access to unified USDT liquidity across more than 18 blockchains, eliminating the need for traditional bridges and wrapped tokens. USDT0 uses a burn-and-mint mechanism, creating a single consistent asset across all supported networks and reducing liquidity fragmentation and counterparty risk. Designed specifically for payments, Morph offers sub-300ms block times and zero-fee stablecoin transfers, targeting merchant settlement, remittances, crypto card issuance, and treasury management. With USDT's market cap exceeding $185 billion, developers on Morph can now tap into the world’s largest stablecoin liquidity pool from day one. This enables seamless cross-border transactions, deeper DeFi liquidity, efficient merchant payment processing, and predictable cross-chain operations for financial institutions. The collaboration between USDT0 and Morph aims to advance unified omnichain liquidity, making stablecoins truly borderless and supporting next-generation financial applications.

TheNewsCrypto02/13 05:56

Morph Integrates USDT0, Unlocking Access to the World’s Largest Stablecoin Liquidity Pool

TheNewsCrypto02/13 05:56

Ripple CEO Shares What XRP Means To The Crypto Firm

Ripple CEO Brad Garlinghouse emphasized XRP's critical role as the "North Star" guiding the company's operations and long-term strategy. He detailed how XRP is fundamental to Ripple's payment solutions, treasury management, custody services, and institutional growth. The cryptocurrency, combined with the XRP Ledger (XRPL), drives utility, trust, and liquidity across the ecosystem. Garlinghouse highlighted that major institutions, such as asset manager Aviva, are now tokenizing assets on the XRPL, showcasing its expanding institutional adoption. He described XRP as the "heartbeat" of Ripple, central to its mission of becoming a platform company for global financial infrastructure.

bitcoinist02/13 00:32

Ripple CEO Shares What XRP Means To The Crypto Firm

bitcoinist02/13 00:32

X Money to launch ‘external beta’ soon, but will it have crypto support?

Elon Musk announced that X Money, the upcoming payment platform for X (formerly Twitter), will enter an external beta phase within the next one to two months. The platform aims to become a central hub for all monetary transactions as part of Musk's plan to transform X into a super app. While specifics remain scarce, speculation is growing about potential cryptocurrency integration, fueled by Musk’s pro-crypto history, Tesla’s Bitcoin holdings, and industry trends toward stablecoins. However, no official confirmation of crypto support has been provided. Major partners like Visa are already involved, and the platform is expected to support P2P payments, debit cards, and bank transfers.

ambcrypto02/12 11:03

X Money to launch ‘external beta’ soon, but will it have crypto support?

ambcrypto02/12 11:03

Coinbase bets on autonomous AI as Agentic Wallets go live – Details!

Coinbase has unveiled Agentic Wallets, a new infrastructure designed to enable AI agents to autonomously hold, spend, earn, and trade cryptocurrency without requiring human approval for each step. Built on Coinbase's systems and the x402 protocol, the technology supports machine-to-machine crypto payments, gasless trading on Base, and programmable financial actions, with built-in security and compliance features. In parallel, Lightning Labs introduced tools for AI transactions over Bitcoin’s Lightning Network, including L402 payments and enhanced security controls. On Ethereum, over 13,000 AI agents registered in a single day following the launch of the ERC-8004 standard, which provides portable identities and a trust layer. Amid these developments, several AI-related tokens, such as KITE and CLANKER, saw significant weekly gains, suggesting growing investor interest in the AI-crypto narrative. The advancements signal a shift from AI systems that merely advise to those capable of independent action, potentially marking a new phase in crypto-enabled autonomous economies.

ambcrypto02/12 07:32

Coinbase bets on autonomous AI as Agentic Wallets go live – Details!

ambcrypto02/12 07:32

X Money Beta to Launch in 1–2 Months, Musk Says

Elon Musk announced that X Money will launch in an external beta within the next one to two months, a key step in transforming X into an "everything app." The payment system, already in internal closed beta, is designed to be a central hub for all monetary transactions. Musk emphasized its potential as a "game changer" for increasing daily user engagement on the platform, which has 1 billion installed and around 600 million monthly active users. The vision mirrors China’s WeChat, integrating payments, messaging, content, and AI tools into a single ecosystem. X has partnered with Visa, suggesting fiat currency will be implemented first, though future crypto integration remains uncertain. Musk’s discussed related growth at xAI, highlighting expanded computing power to support AI development. The limited beta will test infrastructure, compliance, and user experience ahead of a broader global rollout.

TheNewsCrypto02/12 06:19

X Money Beta to Launch in 1–2 Months, Musk Says

TheNewsCrypto02/12 06:19

Malaysia to Pilot Ringgit Stablecoins, Tokenised Deposits in 2026

Malaysia's central bank, Bank Negara Malaysia (BNM), will pilot three projects involving ringgit stablecoins and tokenized deposits in 2026 through its Digital Asset Innovation Hub (DAIH). The initiatives, focused on wholesale payments for domestic and cross-border transactions, are led by major financial institutions including Standard Chartered Bank Malaysia, Capital A, Maybank, and CIMB. BNM aims to assess implications for monetary and financial stability and clarify its policy on these digital assets by year-end. This move aligns with a broader Asian trend, with Hong Kong, Singapore, and Japan also advancing stablecoin frameworks and tokenization projects.

TheNewsCrypto02/11 12:23

Malaysia to Pilot Ringgit Stablecoins, Tokenised Deposits in 2026

TheNewsCrypto02/11 12:23

UAE’s Zand Bank Partners with Ripple to Expand AEDZ and RLUSD Stablecoin Payments

UAE-based Zand Bank and Ripple have partnered to enhance cross-border payments using regulated stablecoins. The collaboration will integrate Zand’s dirham-backed stablecoin, AEDZ, with Ripple’s USD stablecoin, RLUSD, on the XRP Ledger. This initiative aims to facilitate faster, cheaper, and more accessible transactions for businesses in the UAE and surrounding regions. The partnership also includes exploring liquidity connections between AEDZ and RLUSD to enable smoother currency conversions. Both companies emphasized the role of this alliance in advancing the adoption of trusted blockchain solutions and digital assets in the region.

TheNewsCrypto02/10 14:50

UAE’s Zand Bank Partners with Ripple to Expand AEDZ and RLUSD Stablecoin Payments

TheNewsCrypto02/10 14:50

How Solana’s $117B DEX volume overtook Ethereum in 2026

"The article discusses how Solana surpassed Ethereum in key metrics in 2026, despite recent price declines for both. Solana achieved a record 160 million daily transactions and saw over $100 million bridged to it in a week, with more than half coming from Ethereum. Crucially, Solana's DEX volume reached $117 billion, more than double Ethereum's $52 billion, driven by memecoins and new token launches. It also outpaced Ethereum in payment growth (755% vs. 625%). However, Ethereum remains dominant in Total Value Locked (TVL) with $136 billion compared to Solana's $17 billion, indicating the battle for blockchain supremacy is far from over."

ambcrypto02/10 12:02

How Solana’s $117B DEX volume overtook Ethereum in 2026

ambcrypto02/10 12:02

Crypto And Banks Clash Again Over ‘Skinny’ Fed Accounts Ahead Of Tuesday’s Meeting

A long-running dispute between the U.S. banking sector and the crypto industry is intensifying over the Federal Reserve’s proposal to introduce “skinny” master accounts. These limited accounts would allow eligible fintech and crypto firms direct access to the Fed’s payment infrastructure—but without full banking privileges, such as holding balances or earning interest. The debate has drawn sharp divisions. Crypto advocates, including Circle and the Blockchain Payments Consortium, argue that such access would improve payment system resilience and reduce anti-competitive practices. Others, like Anchorage Digital, support the idea but criticize its limitations. Banks, however, express strong concerns. The American Bankers Association warns that many crypto firms lack long-term supervisory history and operate under evolving regulatory frameworks, raising fraud and oversight risks. The Fed is reviewing 44 comment letters submitted last Friday and aims to propose formal rules by Q4. The tension comes ahead of a White House meeting aimed at easing disputes between traditional finance and crypto firms, particularly around stablecoin yield and regulatory clarity.

bitcoinist02/10 07:39

Crypto And Banks Clash Again Over ‘Skinny’ Fed Accounts Ahead Of Tuesday’s Meeting