# 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.

Ripple President Long Unveils Her 2026 Crypto Predictions

Ripple President Monica Long predicts that by 2026, institutional crypto adoption will shift decisively from pilots to production stage, driven by four key trends: stablecoins, tokenization, custody consolidation, and AI automation. She expects stablecoins like Ripple USD (RLUSD) to become the foundational global settlement layer, especially in B2B payments, citing growing regulatory support and significant idle corporate capital. Tokenization will drive institutional adoption, with over $1 trillion in digital assets on balance sheets and half of Fortune 500 companies formalizing digital asset strategies. Custody services will consolidate as the sector matures, with major banks expanding custody relationships. Finally, AI and blockchain will converge to automate treasury and risk management through smart contracts and privacy-preserving tech like zero-knowledge proofs.

bitcoinist01/21 15:36

Ripple President Long Unveils Her 2026 Crypto Predictions

bitcoinist01/21 15:36

Dogecoin Foundation’s Corporate Arm Reveals Consumer Push With New App

The Dogecoin Foundation's corporate arm, House of Doge, is developing a new mobile app called "Such" to be launched in the first half of 2026. The app aims to facilitate the use of Dogecoin (DOGE) in everyday commerce by combining a self-custodial wallet with a feature called "Hustles," enabling users to easily spend DOGE and allowing small merchants to accept it as payment. Developed by a team based in Melbourne, the app is positioned as more than just a wallet, with a focus on reducing transaction friction and supporting the Dogecoin community's informal commerce culture. The project is also linked to Nasdaq-listed Brag House Holdings Inc., with leadership emphasizing the goal of making DOGE a widely used global currency.

bitcoinist01/21 13:08

Dogecoin Foundation’s Corporate Arm Reveals Consumer Push With New App

bitcoinist01/21 13:08

Ripple President Says Stablecoins Will Power Global Settlement

Ripple President Monica Long asserts that stablecoins are set to become the foundation of global settlement systems, rather than an alternative payment rail. She emphasizes that fiat-pegged tokens will serve as the core infrastructure for cross-border transactions, with major institutions like Visa and Stripe integrating them into payment flows. Long predicts that within five years, stablecoins will be fully integrated into global payment systems as the default settlement layer. She also highlights the crypto industry's shift from a speculative phase to a "production era," marked by increased institutional adoption and practical utility. By 2026, she expects significant crypto integration among Fortune 500 companies, including tokenized assets, on-chain treasury bills, and programmable financial instruments directly embedded into corporate workflows. This transition positions crypto as the operating layer of modern finance.

TheNewsCrypto01/21 12:28

Ripple President Says Stablecoins Will Power Global Settlement

TheNewsCrypto01/21 12:28

Preferred Entry-Level License for Encrypted Payments: Canada MSB

An Introduction to Preferred Crypto Payment Licenses: Canada's MSB Canada's MSB license, regulated by FINTRAC under the PCMLTFA, is increasingly being evaluated by crypto payment projects seeking long-term, stable compliance, rather than just an initial regulatory tool. Unlike the U.S. MSB, which is often used for its speed and lower initial cost, the Canadian MSB represents a substantive regulatory commitment from the outset. It requires a fully built AML/CTF system before launch, imposes ongoing KYC and reporting obligations, and involves real enforcement risk. This license is not a simplified alternative but a clear compliance choice suited for projects focused on B2B payments, cross-border settlements, stablecoin transactions, and long-term operational stability. It offers advantages like higher acceptance from compliant banks, a unified national regulatory framework avoiding state-by-state complexities, and greater tolerance for well-defined business models. Ideal candidates are businesses where compliance is integral to credibility, such as B2B crypto platforms, stablecoin payment solutions, and financial infrastructure projects. The core distinction is between seeking speed and initial validation (U.S. MSB) versus pursuing stable, long-term compliance (Canada MSB). Ultimately, the Canadian MSB forces a fundamental question: is the project prepared to operate crypto payments as a legitimate financial service?

marsbit01/21 08:42

Preferred Entry-Level License for Encrypted Payments: Canada MSB

marsbit01/21 08:42

Artemis Crypto Payment Card Report: $18 Billion Market Size, The Silent Explosion of Crypto Payments

Artemis Research reveals that the crypto payments card market has grown into a $18 billion industry, with monthly transaction volumes increasing 15-fold since early 2023. The report breaks down the crypto card stack into three layers: Networks (Visa and Mastercard), Issuers & Program Managers (e.g., Baanx, Bridge), and Consumer Apps (wallets and exchanges like MetaMask and Phantom). Visa dominates with over 90% of on-chain card transaction volume, largely due to early infrastructure partnerships. A key structural shift is the rise of full-stack issuers like Rain and Reap, which now issue cards and settle directly as Visa Principal Members—bypassing sponsor banks for greater control and better economics. Geographic usage varies: In India, crypto cards serve as collateralized credit solutions, while in Argentina, they function as inflation-hedged stablecoin debit cards. In developed markets, crypto cards target high-value users who hold significant stablecoin balances and seek to spend them. The report concludes that as stablecoin adoption grows, crypto cards will scale accordingly, acting as essential infrastructure for bringing digital dollars into the real economy.

marsbit01/21 06:29

Artemis Crypto Payment Card Report: $18 Billion Market Size, The Silent Explosion of Crypto Payments

marsbit01/21 06:29

Ripple Exec Pushes Central Banks To Back Regulated Stablecoins

Ripple's UK & Europe policy director, Matthew Osborne, urges central banks to embrace regulated stablecoins as a stabilizing force rather than treat them as a threat. He argues that with proper oversight and access to official infrastructure, stablecoins can complement the existing financial system, particularly in cross-border payments and multi-chain markets. Osborne cites their growing adoption, with market value exceeding $300 billion and transaction volumes surpassing Visa and Mastercard combined. He calls for central banks to extend safety net features, such as allowing issuers to hold reserves in central bank accounts and providing liquidity insurance, to reduce vulnerability to shocks. The choice, he concludes, is between resisting stablecoins and risking uncontrolled growth or integrating them into the regulated financial framework.

bitcoinist01/20 19:32

Ripple Exec Pushes Central Banks To Back Regulated Stablecoins

bitcoinist01/20 19:32

Former "NFT Chain" Spends $250 Million to Compete with Stripe and Circle

Polygon Labs has acquired Coinme and Sequence for over $250 million, positioning itself as a "stablecoin rail" competitor to Stripe and Circle. Coinme, a licensed money transmitter in 48 U.S. states, provides a compliant fiat on-ramp via a vast cash-to-crypto network. Sequence offers smart wallet infrastructure that abstracts blockchain complexities for end-users. Together, these acquisitions enable Polygon to offer a full-stack solution for stablecoin payments, combining regulatory access, user-friendly technology, and physical cash integration. This strategy aims to capture value in the growing stablecoin payment market, competing with closed ecosystems like Circle’s Arc and service-oriented platforms like Stripe’s Tempo, while avoiding the token economic pitfalls seen in projects like Tether’s Plasma.

比推01/20 19:05

Former "NFT Chain" Spends $250 Million to Compete with Stripe and Circle

比推01/20 19:05

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

How Do Stablecoins Touch the Most Profitable Nerve of Banks?

U.S. banks are fiercely opposing interest-bearing stablecoins, not because they cause deposit outflows, but because they threaten the core profitability of large commercial banks. When funds flow into stablecoins like USDC, the money eventually returns to the banking system as reserves held in cash or short-term liquid assets. The real concern is the total amount of deposits, but a shift in deposit structure. Large U.S. banks rely heavily on "low-rate banking," where they hold massive amounts of non-interest or ultra-low-interest transaction deposits (used for payments, transfers, and settlements). These deposits are extremely cheap for banks, costing only 0-11 basis points in interest, while the Fed funds rate is 3.5%-3.75%. This spread, along with transaction fees, generates over $360 billion in annual revenue for banks. Interest-bearing stablecoins directly compete with these transaction deposits. If stablecoins offer yield, users may move funds from traditional bank transaction accounts into stablecoins for both utility and returns. Although the money remains in the banking system, stablecoin issuers would likely place most reserves in higher-yielding non-transaction accounts, forcing banks to pay market rates for these funds. This erodes banks' profit margins and reduces their fee income from payment services. The battle over the CLARITY法案 revolves around this profit redistribution. Banks want to ban all forms of yield on stablecoins to protect their lucrative low-cost deposit base and dominant position in the payment ecosystem.

比推01/19 14:58

How Do Stablecoins Touch the Most Profitable Nerve of Banks?

比推01/19 14:58

India Pushes BRICS CBDC Link to Boost Cross-Border Payments

The Reserve Bank of India (RBI) is proposing a plan for BRICS nations to link their central bank digital currencies (CBDCs) to improve cross-border payments for trade and tourism. The proposal, which may be on the agenda for the 2026 BRICS summit hosted by India, aims to increase payment speed, reduce costs, and lessen reliance on the U.S. dollar. India’s digital rupee pilot already has around 7 million retail users, but broader implementation faces challenges such as technical standards and trade imbalance mechanisms. The move is not intended to drive de-dollarization, and all BRICS members are still in the CBDC pilot stage.

TheNewsCrypto01/19 11:18

India Pushes BRICS CBDC Link to Boost Cross-Border Payments