# 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.

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

ambcrypto01/15 23:57

Ripple secures 2 EU licenses – Is XRP’s 2026 rally brewing?

Ripple has secured two key regulatory licenses in the EU, including approvals in Luxembourg and the U.K., as part of a broader strategy to expand its global payments network. These compliance milestones, alongside over 75 licenses worldwide, signal growing institutional confidence. Fundamentally, the XRP Ledger (XRPL) shows strong momentum, with real-world asset tokenization surging over 2,200% in 2025 and daily transactions consistently exceeding 40,000. This combination of regulatory progress and on-chain growth may set the stage for a potential XRP rally in 2026.

ambcrypto01/15 18:02

Ripple secures 2 EU licenses – Is XRP’s 2026 rally brewing?

ambcrypto01/15 18:02

$3 billion in 30 days – Why USDC’s transaction volume on XDC signals major shift in DeFi!

A significant shift is occurring in DeFi, moving the focus from Total Value Locked (TVL) to transaction utility as the key indicator of a network's strength. While Ethereum leads in TVL and stablecoin market share, the emphasis is now on real-world usage and transaction volume. This is exemplified by the XDC Network, which recently processed over $3 billion in USDC transactions in 30 days—a volume rivaling traditional payment networks. This surge highlights USDC's evolving role beyond a "safe haven" into a critical "cash leg" for settlements and real-world payments. High stablecoin transaction volume signals a network's growing dominance, reflecting real-world utility, liquidity efficiency, and institutional adoption in the expanding DeFi ecosystem.

ambcrypto01/15 15:02

$3 billion in 30 days – Why USDC’s transaction volume on XDC signals major shift in DeFi!

ambcrypto01/15 15:02

Visa Revelation: The 50-Year Cycle of Stablecoin 'Fragmentation Dilemma'

In the 1960s, the credit card industry was fragmented networks with limited interoperability. Visa succeeded not just through technology, but by creating a cooperative structure that unified banks under a shared network, aligning incentives, distributing ownership, and enabling compound network effects. It operated as a neutral third party, granted members profit shares and governance rights, and enforced exclusivity to consolidate growth. Today, stablecoins face a similar fragmentation issue, with over 300 stablecoins listed on Defillama, each confined to its own ecosystem, limiting network effects and liquidity. Services like Anchorage Digital and Ethena enable new issuers to create stablecoins, but this exacerbates fragmentation rather than solving it. The solution lies in adopting a Visa-like model: a neutral, cooperative structure where issuers and protocols unite under a single stablecoin standard. Members would share reserve yields and participate in governance, fostering widespread adoption and retaining value within the network instead of fragmenting liquidity. This approach could drive the mainstream integration stablecoins need.

marsbit01/15 14:45

Visa Revelation: The 50-Year Cycle of Stablecoin 'Fragmentation Dilemma'

marsbit01/15 14:45

Bybit Pay Integrates With Yape and Plin to Enable Crypto Payments Across Peru

Bybit Pay, the payment service of the world’s second-largest crypto exchange, has integrated with Yape and Plin—two of Peru’s most widely used digital payment platforms. This integration enables millions of users in Peru to make everyday transactions using cryptocurrencies such as USDT, USDC, BTC, and ETH, which are instantly converted to Peruvian Sol (PEN). Customers can pay via Yape QR codes or Plin phone-number transfers both online and at local merchants, benefiting from fast settlement and enhanced security. The move supports Peru’s growing digital economy, where over 50% of adults use mobile wallets. To celebrate the launch, Bybit is offering incentives including a 50% discount voucher for new users and cashback rewards for existing customers.

TheNewsCrypto01/15 14:31

Bybit Pay Integrates With Yape and Plin to Enable Crypto Payments Across Peru

TheNewsCrypto01/15 14:31

Pakistan Partners With WLFI-Linked Company For USD1 Stablecoin Payments

Pakistan has signed a memorandum of understanding with SC Financial Technologies, an affiliate of the Trump-linked World Liberty Financial (WLFI), to explore the use of the USD1 stablecoin for cross-border payments. The partnership aims to integrate the stablecoin into Pakistan’s regulated digital payments infrastructure, aligning with the country’s plans to modernize its financial systems and develop a central bank digital currency. Meanwhile, WLFI faces scrutiny in the U.S., where Senator Elizabeth Warren has urged regulators to halt the company’s bank charter application over concerns about conflicts of interest related to former President Trump’s financial ties.

bitcoinist01/15 11:03

Pakistan Partners With WLFI-Linked Company For USD1 Stablecoin Payments

bitcoinist01/15 11:03

Visa Brings Stablecoins To $1.7 Trillion Platform In BVNK Partnership

Visa has partnered with stablecoin infrastructure provider BVNK to integrate stablecoin payments into its Visa Direct platform, a $1.7 trillion real-time global payout system. This collaboration aims to modernize money movement by reducing friction and providing faster, more efficient payment options, including during non-banking hours. Initially targeting markets with strong digital payment demand, the service will include stablecoin pre-funding and payouts. The partnership follows an investment by Visa Ventures in BVNK in May 2025. Both companies emphasize the transformative potential of stablecoins as a core payments infrastructure. This move comes as stablecoin adoption grows, with total transaction volume reaching a record $33 trillion in 2025, led by USDC and USDT.

bitcoinist01/15 08:02

Visa Brings Stablecoins To $1.7 Trillion Platform In BVNK Partnership

bitcoinist01/15 08:02

BlackRock and Visa's Big Bet on Stablecoins: What Do the Smart Money See?

The stablecoin market reached a historic high of $317 billion in January 2026, but the real story lies in the strategic moves by major financial institutions. BlackRock launched BUIDL, a tokenized money market fund on a public blockchain, surpassing $2 billion by late 2025, highlighting the drive for efficiency, lower costs, and broader accessibility. USDC, growing 73% in 2025, outpaced USDT’s 36% growth, driven by regulatory clarity from the U.S. GENIUS Act and EU’s MiCA compliance, making it the preferred choice for regulated entities like Visa, which integrated USDC for settlements. Visa’s adoption reflects a defensive strategy against stablecoins disrupting cross-border payments, with stablecoin transaction volumes reaching $46 trillion in 2025. Other payment giants, including Stripe and PayPal, are also aggressively entering the space. Meanwhile, banks like JPMorgan are leveraging blockchain for internal efficiency, processing over $3 billion daily via its JPM Coin system. Key trends include the rapid growth of real-world asset (RWA) tokenization, a clear regulatory path favoring compliant stablecoins, the restructuring of payment infrastructure, and market bifurcation into payment-focused (e.g., USDC) and yield-bearing stablecoins (e.g., Ondo’s USDY). This shift marks stablecoins' evolution from a crypto niche to a foundational component of the global financial system.

marsbit01/13 14:00

BlackRock and Visa's Big Bet on Stablecoins: What Do the Smart Money See?

marsbit01/13 14:00

Weekly Funding Roundup | 7 Projects Secured Funding, Total Amount Reaches $332 Million (Jan 5 - Jan 11)

According to incomplete statistics from Odaily, between January 5 and January 11, 2025, seven blockchain-related funding rounds were disclosed globally, raising a total of $332 million. This marks a significant increase compared to the previous week. The largest single funding round was secured by stablecoin company Rain, which raised $250 million at a $1.95 billion valuation, led by ICONIQ. AI data exchange platform Protege followed with a $30 million Series A round led by a16z. Other notable raises include a $30 million strategic investment for Web3 gaming platform RuneSoul, a $15 million round for Bitcoin protocol Babylon with participation from a16z Crypto, and a funding round of over $10 million for RWA infrastructure provider TBook. Additionally, HabitTrade raised nearly $10 million for its regulated brokerage infrastructure, KOLECT raised $1.2 million in a pre-seed round, and digital payment infrastructure PhotonPay raised tens of millions in a Series B round. The funds are primarily allocated for global expansion, platform development, regulatory compliance, and advancing blockchain-based financial infrastructure.

marsbit01/13 08:45

Weekly Funding Roundup | 7 Projects Secured Funding, Total Amount Reaches $332 Million (Jan 5 - Jan 11)