# 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.

MEXC Partners With ether.fi To Expand Ecosystem Utility With a Co-Branded Card

MEXC, a leading global cryptocurrency exchange, has partnered with ether.fi to launch a co-branded crypto credit card. This initiative aims to bridge on-chain assets with real-world commerce, enabling over 40 million MEXC users to spend crypto at more than 130 million Visa merchants worldwide, including via Apple Pay and Google Pay. The card offers up to 4% instant cashback with no annual fees or minimum spending requirements, while users retain full custody of their assets. The partnership includes promotional incentives for new users and referrals, such as airdrops and additional cashback, available from January 15 to February 15, 2026. This collaboration underscores the growing integration of DeFi with everyday payments, making crypto spending as seamless as traditional finance.

TheNewsCrypto01/19 10:15

MEXC Partners With ether.fi To Expand Ecosystem Utility With a Co-Branded Card

TheNewsCrypto01/19 10:15

Why Must Banks Ban Stablecoin Yields?

The article explores why U.S. banks are strongly opposing interest-bearing stablecoins, despite claims that such assets could cause bank deposit outflows. It argues that funds flowing into stablecoins like USDC do not leave the banking system—instead, they are held as reserves in highly liquid assets like cash or Treasury bills, which eventually return to banks. The real concern for large banks is not the total volume of deposits, but a shift in deposit structure. U.S. megabanks rely heavily on low-cost transactional deposits (used for payments and transfers), which pay near-zero interest. These deposits allow banks to profit from the spread between the Fed funds rate and what they pay depositors, as well as from transaction fees. Interest-bearing stablecoins threaten this model. They offer similar transactional utility but also provide yield, incentivizing users to move funds out of traditional bank transactional accounts. While the money may return to the banking system, it would likely be placed in higher-yielding deposit accounts, increasing banks’ funding costs. Additionally, stablecoins could disrupt banks’ fee income from payment services. The core issue is profit redistribution: stablecoins—especially those offering yield—could reduce banks’ low-cost funding advantage and erode their transaction revenue, explaining the fierce opposition to interest-bearing models in proposed legislation like the CLARITY Act.

Odaily星球日报01/19 09:26

Odaily星球日报01/19 09:26

The United States Will Not Reject Stablecoins

The article argues that the U.S. has no fundamental reason to reject stablecoins, despite regulatory friction. The debate centers on the "passive yield" mechanism, with traditional banks fearing massive deposit outflows—potentially up to $6 trillion—from community banks into yield-bearing stablecoins like USDC, which could raise lending costs. Coinbase counters that yield is a tool for user benefit and efficiency, helping users escape near-zero bank interest rates. Stablecoin issuers like Tether and Circle have become significant buyers of U.S. Treasury bonds, holding $1700 billion in Treasuries and accounting for a small but growing share of the money supply. With foreign demand for U.S. debt declining, stablecoins help sustain Treasury markets. The piece traces the rapid evolution of on-chain yield mechanisms, from Ethena’s USDe—which surged then contracted after deleveraging events—to more mature vault-based models like those on Morpho. While on-chain yield products have advanced, real-world adoption in payments remains limited. The solution proposed is integrating yield into payment systems, making yield a default feature during transactions—not just when holding or idling—thus benefiting users, merchants, and platforms. Examples like Airwallex’s yield products and travel platform partnerships show the potential. The conclusion is that stablecoins must expand utility and user base to succeed, with the next challenge being the governance of yield vaults to prevent systemic risks.

marsbit01/19 03:37

The United States Will Not Reject Stablecoins

marsbit01/19 03:37

Steak ’N Shake Doubles Down On Bitcoin With $10M Balance Sheet Boost

Steak 'n Shake has allocated $10 million to Bitcoin, adding approximately 105 BTC to its corporate balance sheet. The company channels all customer Bitcoin payments into a "Strategic Bitcoin Reserve," directly linking its crypto holdings to same-store sales growth. This approach is operational rather than speculative, differing from firms that borrow to buy crypto. Since adopting Bitcoin via the Lightning Network in May 2025, the chain has seen payment processing fees drop by about 50% and double-digit sales increases. The reserve will fund store and ingredient upgrades without raising prices, reflecting a strategy to integrate cryptocurrency into daily operations and customer experience.

bitcoinist01/18 16:41

Steak ’N Shake Doubles Down On Bitcoin With $10M Balance Sheet Boost

bitcoinist01/18 16:41

Crypto Startups Raise $588M in Early 2026 as Institutional Investment Returns

In the first two weeks of January 2026, crypto startups raised $588 million, signaling strong institutional interest in the sector. Major investors like Arthur Hayes, Paradigm, and YZi Labs are directing capital toward scalable, low-risk infrastructure rather than speculative projects. Funding is concentrated in areas such as payment systems, trading platforms, and privacy technology, with a focus on developing institutional-grade tools for banks and financial firms. Key beneficiaries include Rain, a stablecoin payments startup that raised $250M; Alpaca, a trading API provider that secured $150M; and ICEx, an Indonesian exchange that raised $70M. The trend highlights growing demand for privacy solutions and regulated services, underscoring a shift toward practical infrastructure over hype-driven investments.

TheNewsCrypto01/17 11:53

Crypto Startups Raise $588M in Early 2026 as Institutional Investment Returns

TheNewsCrypto01/17 11:53

United Stables (U) Project Report

United Stables ($U) is a USD-pegged stablecoin project developed by United Stables Limited (BVI-registered) to serve as a unified liquidity layer connecting exchanges, DeFi, payment networks, and AI-driven systems. It operates on BNB Chain with an identical circulating supply and uncapped maximum supply. The project is integrated with platforms like Binance, Venus Protocol, and Cobo, and introduced zero-fee trading pairs on Binance in January 2026. $U is backed 1:1 by fiat (USD) and high-quality stablecoins held in audited, segregated custody. Key features include gasless transfers (via EIP-3009), support for gas payments on TokenPocket, and AI-ready programmable functions for autonomous transactions. It uses a "stablecoin pool" model, accepting only top-tier stablecoins (e.g., USDT, USDC) as collateral, with automated daily rebalancing. The economic model includes free minting, a 0.1% redemption fee directed to an insurance fund, and plans for hybrid DAO governance by Q4 2026. The roadmap outlines multi-chain integration, instant swap features, enterprise privacy solutions, and a Visa partnership. Risks involve regulatory uncertainty (no registration under MiCA, Hong Kong, or U.S. frameworks), reliance on partner ecosystems, and potential instability from unlimited supply. Opportunities include low-cost cross-border payments, DeFi yield, and AI-driven use cases.

marsbit01/17 11:15

marsbit01/17 11:15

Belarus Opens Door To Crypto Banks With New Presidential Decree

Belarus has taken a significant step toward integrating cryptocurrency with traditional finance by issuing Presidential Decree No. 19, which establishes a legal framework for "cryptobanks." These entities, defined as joint-stock companies, will be permitted to conduct token operations alongside conventional banking and payment services. To operate, cryptobanks must be residents of the Belarus High-Tech Park (HTP) and will be registered in a special National Bank list. They will be subject to dual oversight from both the National Bank and HTP authorities, adhering to standards on capital, risk management, and anti-money laundering. Officials anticipate the first cryptobank could launch within six months, offering services such as crypto-backed loans, crypto-linked payment cards, and token salary payments for self-employed individuals. The move reinforces Belarus's strategy to formalize and attract digital asset businesses.

bitcoinist01/17 08:02

Belarus Opens Door To Crypto Banks With New Presidential Decree

bitcoinist01/17 08:02

XRP Burn Rate: Here’s How Many Coins Are Gone Forever

XRP's circulating supply is a frequent topic, particularly regarding its potential for high price points. Recent data highlights a steady reduction in total supply due to the token's built-in burn mechanism. Unlike discretionary burns, the XRP Ledger permanently destroys a small amount of XRP with every transaction as a fee. Over the past 806 days, over 2.58 million XRP have been burned, reducing the total supply from 99,988,313,728 to approximately 99,985,726,061—a rate of over 3,200 XRP destroyed daily. While this burn rate is minimal compared to XRP's 100 billion maximum supply, it demonstrates consistent on-ledger usage and a deflationary trend. The entire XRP supply was pre-mined at inception, and its fixed, decreasing supply contrasts with inflationary cryptocurrencies like Ethereum or Dogecoin. This design, along with Ripple's focus on payments and financial infrastructure, reflects an institutional preference for supply certainty. Some analysts argue that large-scale adoption and trillions in flow could drive significant price appreciation, with $100 per XRP seen as a functional necessity for global usage.

bitcoinist01/17 07:03

XRP Burn Rate: Here’s How Many Coins Are Gone Forever

bitcoinist01/17 07:03

Just Spent 250 Million to Buy Companies, Then Laid Off 30%: Polygon Is Changing Its Way of Survival

Polygon, a major blockchain scaling solution, has laid off approximately 30% of its workforce while simultaneously spending $250 million to acquire two companies: Coinme, a licensed crypto-fiat exchange with an extensive US ATM network, and Sequence, a wallet infrastructure and cross-chain routing provider. This strategic pivot signals a shift away from its core Layer-2 (L2) business, where it faces intense competition from dominant players like Base, and toward building a comprehensive stablecoin payment infrastructure called the "Open Money Stack." The acquisitions provide critical pieces for this new direction: Coinme offers regulatory licenses and on-ramps/off-ramps, while Sequence provides the technical backend for seamless cross-chain transactions. The goal is to target B2B clients like banks and payment providers. This move is seen as a necessary "blood change." Polygon's previous strategy, focused on enterprise adoption and NFTs, yielded limited long-term results. In the crowded L2 space, it struggled against competitors with superior user distribution, such as Base, which is integrated with Coinbase's massive user base. The new focus on stablecoin payments is a promising but highly competitive market, with giants like Stripe, PayPal also making significant investments. While Polygon CEO claims this puts them in competition with Stripe, the company is betting on an open infrastructure model versus Stripe's more closed ecosystem. The strategy carries risks. Coinme has faced regulatory penalties in the past, and Polygon is entering a field with well-established traditional finance players. However, success could transform Polygon from a protocol reliant on tokenomics into a profitable company with real revenue streams, a rarity in crypto. The core challenge is that the window for crypto-native companies to capture this market is narrowing as traditional finance accelerates its adoption of blockchain technology.

marsbit01/16 04:54

Just Spent 250 Million to Buy Companies, Then Laid Off 30%: Polygon Is Changing Its Way of Survival

marsbit01/16 04:54

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