# 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.

Canada moves to regulate stablecoins under central bank oversight after Bill C-15 passes

Canada's Bill C-15 has received Royal Assent, establishing a federal framework to regulate stablecoins under the oversight of the Bank of Canada. The new rules require both domestic and foreign issuers operating in Canada to register with the central bank and comply with strict reserve, redemption, and operational standards. Issuers must maintain full 1:1 cash or high-quality liquid asset reserves, allow redemptions at par value, and are prohibited from offering interest or presenting stablecoins as bank deposits. The framework, which aligns with global regulatory trends, aims to support digital payments and ensure financial stability while protecting consumers. Implementation is expected to be phased in over the next 12-18 months, with full rollout targeted for 2027.

ambcrypto04/02 22:02

Canada moves to regulate stablecoins under central bank oversight after Bill C-15 passes

ambcrypto04/02 22:02

The Era of Encryption: The Boundary Between Payment and Investment Is Disappearing

The boundaries between payments and investment are dissolving in the age of programmable money. While payments represent a $2.5 trillion revenue stream driven by essential, daily transactions, investment management generates $850–900 billion from a much smaller, more passive user base. Payments are a universal financial behavior, whereas investing remains a luxury activity for a minority. Historically, these systems operated separately—with distinct infrastructure, products, and user experiences. However, blockchain technology now enables a unified account model: the same balance in a single application can simultaneously serve both payment and investment functions. This means funds can be used for transactions while also earning yield or participating in DeFi protocols, all within the same interface. This convergence allows users to benefit from both high-frequency, low-value payment activity and capital appreciation from investments without transferring between separate systems—a significant shift from traditional finance.

marsbit04/02 09:03

The Era of Encryption: The Boundary Between Payment and Investment Is Disappearing

marsbit04/02 09:03

Stripe Rises, PayPal Falls: The New King of Payments Ascends the Throne

Stripe, the global payments infrastructure giant, surged to a $159 billion valuation in February 2026, marking a 74% increase from the previous year. It processed $1.9 trillion in annual transaction volume, accounting for 1.6% of global GDP. In contrast, PayPal, the legacy payments leader, faced stagnation with just 4.3% revenue growth in 2025, a sharp decline in core checkout growth, and flat active user numbers. Reports emerged that Stripe is considering acquiring PayPal. Stripe’s success is driven by strategic bets on next-generation technologies: it acquired stablecoin infrastructure firm Bridge and crypto wallet provider Privy, and co-developed the Tempo blockchain, capable of over 100,000 TPS. It also partnered with OpenAI to create the Agent Commerce Protocol, enabling AI agents to conduct micro-payments via stablecoins. These moves position Stripe at the center of AI and crypto-powered transaction growth. Meanwhile, PayPal struggled with innovation. Its stablecoin PYUSD held less than 0.5% market share, and its management acknowledged execution failures. While PayPal remains a cash-generating business with 439 million active accounts, it has been slow to adapt to shifting industry paradigms. The divergence highlights a fundamental strategic difference: Stripe is building the infrastructure for the future of payments—on-chain settlement, AI economies, and programmable money—while PayPal has been optimizing within an outdated framework. The industry is now racing toward stablecoin and blockchain-based payments, a transition Stripe began leading nearly two years ahead of competitors like Visa and Mastercard.

marsbit04/01 06:39

Stripe Rises, PayPal Falls: The New King of Payments Ascends the Throne

marsbit04/01 06:39

Stripe Rises, PayPal Falls: The New King of Payments Ascends the Throne

Stripe, the global payments infrastructure giant, has surged to a $159 billion valuation, marking a 74% increase, while announcing $1.9 trillion in annual transaction volume. Concurrently, legacy leader PayPal is exploring a potential sale after reporting stagnating growth, with Stripe considered a possible acquirer. Stripe’s success stems from strategic expansion beyond payment APIs into crypto and AI-driven finance. It acquired stablecoin infrastructure firm Bridge and wallet provider Privy, and co-developed the Tempo blockchain, capable of 100k TPS. Its partnership with OpenAI introduced machine payments for AI agents, positioning Stripe at the forefront of AI economy transactions. In contrast, PayPal faces declining growth in core checkout services and minimal traction with its PYUSD stablecoin. Its traditional fee-based model conflicts with emerging stablecoin economies, and slow innovation has left it vulnerable to competitors. The divergence highlights a fundamental shift: Stripe is building the next-generation financial infrastructure—on-chain payments, stablecoin settlement, and AI commerce—while PayPal struggles to adapt within its existing framework. The payment industry’s future lies in embracing crypto and AI, and Stripe’s early bets have given it a decisive advantage.

Odaily星球日报04/01 06:32

Stripe Rises, PayPal Falls: The New King of Payments Ascends the Throne

Odaily星球日报04/01 06:32

Square Introduces Bitcoin POS Payments In Major US Expansion

Square, a financial services company, has launched a major US expansion of its Bitcoin point-of-sale payment system. As part of the initiative, businesses that accept Bitcoin will pay no processing fees for the next two years, until the end of 2026. The program is designed to help small merchants adopt new payment methods without incurring transaction fees. By default, merchants receive US dollars in their accounts instantly, eliminating exposure to Bitcoin's price volatility. However, they can also choose to "stack" a portion of their daily sales in Bitcoin. The rollout began in October 2025 and is scheduled to be available to all eligible Square users by November 10, though businesses in New York are currently excluded due to state regulations. This move is part of a larger trend of financial companies integrating digital assets into traditional services, such as using cryptocurrency as collateral for mortgages and loans.

bitcoinist04/01 05:02

Square Introduces Bitcoin POS Payments In Major US Expansion

bitcoinist04/01 05:02

‘This is how Bitcoin begins’ – Square enables BTC payments, but is it adoption?

Square, a subsidiary of Block Inc., has announced it will automatically enable Bitcoin payments for small businesses, aiming to simplify crypto adoption and push Bitcoin into mainstream commerce. This move allows customers to pay with Bitcoin while merchants receive settlements in U.S. dollars by default, protecting them from price volatility. Jack Dorsey’s company sees this as a step toward Bitcoin becoming everyday money. The announcement positively impacted Block’s stock price, which rose nearly 2%. Despite ongoing challenges in the crypto market—such as regulatory uncertainty, geopolitical tensions, and user confusion around taxation—Square’s initiative represents a significant effort to boost Bitcoin’s practical use in daily transactions.

ambcrypto03/31 11:35

‘This is how Bitcoin begins’ – Square enables BTC payments, but is it adoption?

ambcrypto03/31 11:35

War Doesn't Just Drive Up Oil Prices, Why Is Circle's Stock Price Soaring?

A class of companies, like defense contractors and oil giants, typically benefit from global instability. Circle, the issuer of the USDC stablecoin, unexpectedly joined this group as its stock price surged over 150% in five weeks, while the broader crypto market remained down 44% from its peak. The core of Circle's business is holding US Treasuries to back each USDC in circulation. The interest earned on these bonds constitutes about 90% of its quarterly revenue, making the Federal Funds rate its primary driver. The recent price surge was triggered by geopolitical conflict in the Middle East, which drove oil prices up approximately 35%. This raised inflation concerns, leading markets to drastically scale back expectations for Federal Reserve interest rate cuts in 2026. Higher-for-longer interest rates mean Circle's treasury reserves continue to generate elevated yields, translating to more revenue and a rising stock price. This macroeconomic shift caused a short squeeze, as a significant portion of Circl's stock was shorted based on the expectation of falling rates. However, the bullish narrative extends beyond a macro trade. Despite a net loss for FY2025, USDC's supply has reached a new all-time high of $79 billion, and its transaction volume now surpasses that of the larger USDT. This growth is attributed to its use as a payment infrastructure for cross-border transfers, tokenized assets, and AI agent micropayments, especially in regions where traditional banking becomes unreliable during crises. A major structural challenge is Circle's costly revenue-sharing agreement with Coinbase, which took 54 cents of every dollar Circle earned in 2024. The market is currently pricing Circle as both a high-yield play and a critical piece of future financial infrastructure. The central tension remains: its profitability is currently dependent on high interest rates, but its long-term value hinges on successfully transitioning to a business model sustained by transaction fees and payment network services, independent of the Fed's decisions.

marsbit03/30 09:56

War Doesn't Just Drive Up Oil Prices, Why Is Circle's Stock Price Soaring?

marsbit03/30 09:56

Euro Stablecoins Have Entered DeFi, What Are Other Local Currencies Waiting For?

Euro stablecoins are leading the adoption of non-USD stablecoins in DeFi, while other local currency stablecoins remain primarily used for payments and settlements. The implementation of MiCA regulations in Europe effectively ended Tether’s EURT, reducing its supply from over $400M to around $50M. However, the broader non-USD stablecoin market (excluding EURT) has nearly tripled since early 2023, reaching $1.1B by February 2026. Euro-denominated stablecoins account for over 90% of non-USD transaction volume and are increasingly integrated into DeFi protocols like Aave and Morpho for lending and trading. In contrast, other local currency stablecoins (e.g., BRL, JPY) are mostly used for payments, remittances, and enterprise settlements, with nearly 80% of their activity falling under unidentified transfers. Regulatory clarity, as seen in Brazil and Japan, is crucial for adoption. The growth of non-USD stablecoins is driven by their potential to reduce FX costs, streamline cross-border payments, and minimize dollar dependency. While euro stablecoins have set a precedent for DeFi integration, broader adoption of other local currency tokens will likely focus first on payment infrastructure before expanding into DeFi applications.

marsbit03/30 06:58

Euro Stablecoins Have Entered DeFi, What Are Other Local Currencies Waiting For?

marsbit03/30 06:58

Tiger Research: What AI Services Do Crypto Companies Offer?

This Tiger Research report examines the growing trend of cryptocurrency companies integrating AI services, driven by a fear of missing out (FOMO). Unlike previous cycles, established and profitable firms like Coinbase and Binance are leading this charge, moving AI from theory to practical necessity. Key areas of AI adoption include: - **Research:** Projects like Surf are building crypto-native AI tools that aggregate fragmented on-chain and social data, providing more accurate answers than general AI models. - **Trading:** Exchanges are deploying AI to let users execute trades via natural language commands, lowering the barrier for non-developers and automating strategies. The goal is user retention in an increasingly competitive landscape. - **Security/Audit:** Firms like CertiK use AI to enhance smart contract audits by automating initial code scans and enabling post-audit, real-time monitoring, thus addressing previous security blind spots. - **Payment Infrastructure:** Protocols are emerging to enable AI agents to make autonomous payments (e.g., for APIs or services) using on-chain wallets and stablecoins. Circle’s proposed Gateway-x402 integration is a notable example, though this field is still nascent. The push is fueled by rapid AI advancements (e.g., MCP, OpenClaw) and competitive anxiety. However, the report cautions that while adoption is accelerating, the gap between offering a feature and its actual, trusted use remains significant. The motivation is strategic positioning for an AI-driven future, not just marketing.

marsbit03/30 06:41

Tiger Research: What AI Services Do Crypto Companies Offer?

marsbit03/30 06:41

From Utopian Narratives to Financial Infrastructure: The 'Disenchantment' and Pivot of Crypto VC

From Utopian Narratives to Financial Infrastructure: The Disenchantment and Pivot of Crypto VC The crypto industry, once championing "blockchain, not Bitcoin" and a broad Web3 vision, is now seeing venture capital flow overwhelmingly into pragmatic financial applications, particularly stablecoin payments. Following the decline of the Web3 and NFT boom in the early 2020s, investment has cooled for many sectors but surged for payment infrastructure. Key signals include Stripe's $1.1 billion acquisition of Bridge and Mastercard's $1.8 billion purchase of BVNK. Data from Architect Partners shows funding for crypto payment companies skyrocketed to $2.6 billion in 2025, exceeding the total of the previous three years combined. In contrast, funding for decentralized applications (DApps) and blockchain gaming has collapsed. The total private crypto funding reached $20.4 billion in 2025, still below the 2022 peak of $27.6 billion. Stablecoins, like USDT and USDC, are now seen as a breakthrough application, with their annual transaction volume soaring 72% to $33 trillion in 2025. Their core appeal is enabling efficient, real-time global value transfer, solving long-standing issues of cost and speed in cross-border payments. However, the industry faces significant challenges from established "gatekeepers" like Visa and Mastercard, which control terminal access. The piece also notes the declining market share of Binance and the emergence of new products like Franklin Templeton's tokenized ETF with Ondo Finance, which allows for 24/7 trading. A commentator starkly observes that the line between investing and gambling has been completely erased, with a significant portion of new ETFs being leveraged or crypto-related funds. The narrative has shifted from utopian rebuilding to building financial infrastructure.

marsbit03/30 01:45

From Utopian Narratives to Financial Infrastructure: The 'Disenchantment' and Pivot of Crypto VC

marsbit03/30 01:45

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