# 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.

South Korean card giant completes stablecoin payments pilot for foreigners

BC Card, one of South Korea's largest payment processors, has completed a pilot project enabling foreign users to pay local merchants using stablecoins. The initiative, conducted with partners including Wavebridge and Aaron Group, allowed users to convert overseas stablecoins into digital prepaid cards. The pilot is part of BC Card's broader strategy to implement a stablecoin payment system, responding to evolving regulations in South Korea. The country is actively discussing won-based stablecoins, though regulatory progress has been delayed due to disagreements between the Financial Services Commission and the Bank of Korea. Globally, stablecoins are gaining traction as payment alternatives, with companies like YouTube and Visa adopting them for payouts and settlements.

cointelegraph12/23 13:38

South Korean card giant completes stablecoin payments pilot for foreigners

cointelegraph12/23 13:38

Ripple Chiseled a Crack in the Wall, but Swift Tore Down the Entire Wall

At the Sibos 2025 conference, Swift announced the integration of a blockchain-based shared ledger into its infrastructure, built on Consensys' Ethereum Layer-2 network Linea, to enable secure, real-time, and interoperable digital finance. This move, supported by major banks like JPMorgan and Citibank, aims to bridge traditional finance with tokenized assets using zk-EVM technology for faster, cheaper, and more transparent settlements. While Ripple pioneered blockchain-based cross-border payments with XRP Ledger and achieved significant legal and operational milestones—including court victories against the SEC and expansion into 40+ markets—its reach remains limited compared to Swift’s global network of over 11,000 institutions. Ripple’s model relies heavily on XRP as a bridge currency, whereas Swift’s asset-agnostic approach supports multiple currencies, stablecoins, and CBDCs, reducing dependency on any single asset. Swift’s adoption of blockchain signals a major shift in global finance, potentially freeing trillions in trapped capital and enabling 24/7 real-time settlement. This transition from legacy systems to mathematically verified transactions represents a convergence of TradFi and DeFi, positioning Swift to dominate the next era of value transfer.

marsbit12/23 03:27

Ripple Chiseled a Crack in the Wall, But Swift Tore Down the Entire Wall

At the Sibos 2025 conference, Swift announced a major evolution of its financial infrastructure by integrating a blockchain-based shared ledger to support tokenized assets and enable secure, real-time, and interoperable global transactions. The new system, built on Consensys' Ethereum Layer 2 network Linea, uses zk-EVM rollup technology to reduce costs and settlement times while meeting banking security standards. Over 30 major banks, including JPMorgan and Citibank, are participating in the pilot. The article reflects on Ripple’s long-standing effort to challenge traditional cross-border payments using XRP and RippleNet, which has seen adoption in retail and corporate remittances despite earlier regulatory challenges. However, Swift’s move represents a broader and more systemic shift. Unlike Ripple’s XRP-dependent model, Swift’s ledger is asset-agnostic, supporting CBDCs, stablecoins, and fiat currencies, and leverages its existing network of over 11,000 institutions. This transition marks a convergence of traditional and decentralized finance, enabling 24/7 settlement, reducing reliance on pre-funded accounts, and potentially freeing up trillions in trapped capital. By adopting a neutral, interoperable, and highly scalable blockchain framework, Swift is positioned to redefine global value transfer—moving from a legacy telegraphic model to a digitally-native, mathematically-verified system.

深潮12/23 02:52

EU council endorses offline and online versions of digital euro

The Council of the European Union has endorsed the European Central Bank’s design for a digital euro, supporting the simultaneous launch of both online and offline versions. A key feature is the offline digital euro, which aims to function like cash by allowing device-to-device transactions without internet connection and preventing user activity tracking. However, the system faces security challenges, such as vulnerability to relay attacks exploiting near-field communication (NFC). The European Data Protection Board has expressed concerns, noting that physical proximity—a core feature of cash—is difficult to enforce digitally. Both versions would store private keys in certified devices like smartphones or cards. ECB President Christine Lagarde emphasized that final approval depends on EU lawmakers.

cointelegraph12/22 22:50

EU council endorses offline and online versions of digital euro

cointelegraph12/22 22:50

How US banks are quietly preparing for an onchain future

US banks are methodically preparing for an onchain future by focusing on tokenizing traditional financial products like deposits, funds, and custody services, rather than speculative crypto assets. Key initiatives include JPMorgan’s JPM Coin and Citi’s Token Services for institutional payments, as well as experiments with tokenized money market funds and real-world assets. These efforts are largely occurring in wholesale payments and settlement, with strong regulatory oversight. Major banks are also building compliant custody solutions for digital assets. Regulators are permitting these activities within tightly supervised frameworks, emphasizing risk management and operational resilience. This incremental shift is reshaping financial infrastructure with embedded automation, real-time settlement, and reduced counterparty risk.

cointelegraph12/22 17:25

How US banks are quietly preparing for an onchain future

cointelegraph12/22 17:25

Identity, Recourse, Attribution: Decoding the Three Breakthrough Points of the Next-Generation AI Agent Economy

Identity, Recourse, Attribution: Decoding the Three Breakthrough Points of the Next-Generation AI Agent Economy As AI agents begin to handle transactions, new standards like OpenAI's ACP and Google's AP2 are emerging to facilitate payments, while protocols like x402 enable machine-to-machine micropayments. However, these systems lack the trust infrastructure—identity verification, fraud detection, and dispute resolution—that underpins traditional commerce. This creates a critical gap: while blockchain enables fast, irreversible settlements, agents operate without mechanisms for recourse when errors occur. The solution requires building new layers for the agent economy: a "Know Your Agent" (KYA) identity system to establish persistent, verifiable credentials; a recourse mechanism to handle disputes and provide insurance-like protection; and an attribution layer to track influence on purchasing decisions. Established players like card networks and AI labs are unlikely to lead this effort due to misaligned incentives, creating opportunities for startups. The development of agent commerce will unfold in three stages: as an interface (current stage), executing under human supervision (where trust layers become critical), and fully autonomous transactions. Startups that build identity, recourse, and attribution infrastructure will enable the transition to an economy where agents transact freely and securely at scale.

深潮12/22 10:00

Buying Seafood with USDT in Vietnam: Has Web3 Truly Achieved Mass Adoption?

In Vietnam, a country consistently ranked among the top in global cryptocurrency adoption, the author explores whether Web3 and crypto payments have achieved mass adoption beyond reports and whitepapers. During a two-week trip, the author avoided formal industry events and instead tested crypto payments in everyday scenarios like spas, street food stalls, and taxi rides. Key observations include: - Many local merchants prefer cash over international cards due to high fees and tax avoidance, creating an opening for stablecoins like USDT. - Using Bitget Wallet, the author successfully paid via VietQR—Vietnam’s ubiquitous payment QR system—at many locations, with transactions feeling nearly as seamless as Alipay. - However, a failed payment at a seafood restaurant revealed compatibility issues between crypto wallets and older, non-standard QR systems, highlighting remaining technical barriers. - Public perception of crypto remains mixed: in northern cities like Hanoi, it is often associated with crime and gambling, while southern hubs like Ho Chi Minh City show more enthusiasm, with young people trading or developing crypto projects in cafes. - Despite low visible crypto infrastructure (e.g., few Bitcoin ATMs), underlying adoption is significant, driven by a young, tech-savvy population eager for financial mobility. The author concludes that Vietnam’s combination of demographic youth, high mobile internet use, and informal financial vitality makes it a fertile ground for Web3 growth, though real-world usability and cultural acceptance vary widely. The journey continues into southern Vietnam for deeper exploration.

深潮12/22 08:50

Buying Seafood with USDT in Vietnam: Has Web3 Truly Achieved Mass Adoption?

深潮12/22 08:50

1,000 Wallets Contribute 85% of Transaction Volume: Stablecoin Payments Are More Centralized Than You Think

This report analyzes stablecoin payment usage on the Ethereum network, focusing on USDT and USDC, which comprise 88% of the market. Using a filtering method to distinguish payments from other activities like DeFi, the study defines payments as transfers between externally owned accounts (EOAs). Key findings indicate that payments (EOA-to-EOA transactions) account for 47% of total stablecoin transfer volume. When further classified using wallet labels, only 23.7% of payment volume is attributed to person-to-person (P2P) transactions, while business-to-business (B2B) and internal business transfers dominate. The data also reveals significant transaction volume concentration, with the top 1,000 wallets contributing approximately 84% of all stablecoin volume. The analysis highlights challenges in identifying genuine P2P activity due to potential fake transactions, wallet mislabeling, and the prevalence of intermediary-driven "stablecoin sandwich" models. Despite growing adoption, the findings suggest that stablecoin payments remain highly centralized and institution-driven rather than being widely used for decentralized peer-to-peer transactions.

深潮12/22 06:20

1,000 Wallets Contribute 85% of Transaction Volume: Stablecoin Payments Are More Centralized Than You Think

深潮12/22 06:20

Finance Goes 'Invisible': How Stablecoins Are Becoming the New Arteries of the Digital Economy

This article explores the transformative role of stablecoins as the "new arteries" of the digital economy, moving finance into an "invisible" infrastructure layer. Key developments include Coinbase's major product upgrades, positioning it as an "Everything Exchange" that integrates trading, derivatives, stablecoins, and AI-driven services. Stablecoin adoption is accelerating, with Visa now allowing USDC settlements within the U.S. banking system, marking a structural shift in settlement layers. Regulatory progress is evident as U.S. authorities conditionally approve federal trust bank charters for firms like Ripple and Circle, while the FDIC advances stablecoin rules. New stablecoin products and payments integrations are emerging, such as PayPal's PYUSD for YouTube creator payouts and ADNOC's adoption of a national stablecoin at gas stations. Major financial institutions, including JPMorgan, are actively exploring tokenized deposits and assets on public blockchains. The growth of gold-backed stablecoins and national strategies like the UAE's push for asset tokenization further highlight the expansion of stablecoins beyond pure currency use cases into broader economic infrastructure. However, JPMorgan analysis suggests stablecoin growth may be limited by competition from bank-issued tokenized deposits and CBDCs, projecting a market cap of $500-600 billion by 2028.

比推12/22 06:12

Finance Goes 'Invisible': How Stablecoins Are Becoming the New Arteries of the Digital Economy

比推12/22 06:12

Fed seeks input on account type attractive to crypto firms

The US Federal Reserve is seeking public input on a proposed "payment account" or "skinny master account" that would grant fintech and crypto firms access to the central bank's payment system without requiring full master account approvals. Fed Governor Christopher Waller stated these accounts aim to support innovation while maintaining safety, reflecting rapid developments in payments. However, Governor Michael Barr expressed concerns over potential money laundering and terrorist financing risks, especially for institutions not directly supervised by the Fed. Crypto firms like Circle, Coinbase, Kraken, and Block could benefit, potentially bridging crypto and traditional banking. Unlike master accounts, these payment accounts would not earn interest, lack access to Fed credit, and have balance caps. The comment period closes 45 days after Federal Register publication, with operational launch expected in Q4 2026.

cointelegraph12/22 03:38

Fed seeks input on account type attractive to crypto firms