# 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.

US lawmakers propose tax break for small stablecoin payments, staking rewards

US lawmakers have introduced a discussion draft proposing tax exemptions for small stablecoin payments and deferral options for staking and mining rewards. The bill, introduced by Representatives Max Miller and Steven Horsford, aims to amend the Internal Revenue Code to accommodate the growing use of digital assets in everyday transactions. It would exempt gains or losses on stablecoin transactions under $200, provided the stablecoin is dollar-pegged and issued under the GENIUS Act. Additionally, taxpayers could defer income recognition from staking and mining rewards for up to five years, addressing concerns around "phantom income." The draft also includes anti-abuse measures and extends certain securities rules to digital assets. Meanwhile, crypto industry groups are urging the Senate to reconsider proposed restrictions on stablecoin rewards.

cointelegraph12/21 07:07

US lawmakers propose tax break for small stablecoin payments, staking rewards

cointelegraph12/21 07:07

Galaxy predicts stablecoins will overtake ACH transaction volume in 2026

Galaxy Research forecasts that stablecoins will surpass the U.S. Automated Clearing House (ACH) system in transaction volume by 2026, driven by regulatory clarity and increasing adoption. Stablecoins already exceed major credit card networks like Visa and currently process about half of ACH volumes. The stablecoin market, valued at around $309 billion, is dominated by USDT and USDC, but new entrants like Western Union, Sony Bank, and SoFi are launching their own dollar-pegged stablecoins. Galaxy also predicts Bitcoin could reach $250,000 by late 2027, with potential new all-time highs in 2026. The report highlights the GENIUS Act’s expected implementation in early 2026 as a key growth catalyst.

cointelegraph12/19 20:48

Galaxy predicts stablecoins will overtake ACH transaction volume in 2026

cointelegraph12/19 20:48

The Catfish Effect Emerges: Stablecoins Are Forcing the Banking System to Improve Efficiency and Interest Rates

The article "The Catfish Effect: Stablecoins Are Forcing Banks to Improve Efficiency and Interest Rates" challenges the initial fear that stablecoins would trigger massive bank deposit outflows. Instead, research indicates that due to the "stickiness" of deposits—where traditional checking accounts remain central for interoperability with mortgages, credit cards, and salaries—no significant correlation exists between stablecoin growth and bank disintermediation. Rather than being a threat, stablecoins act as a competitive force, compelling banks to offer higher deposit rates and improve operational efficiency. Proper regulation, like the GENIUS Act which mandates full reserve backing with safe assets, addresses risks such as runs and liquidity issues. Ultimately, stablecoins complement the traditional system, promising efficiency gains through atomic settlement and faster cross-border payments, potentially upgrading the dollar's infrastructure and fostering greater financial inclusion.

比推12/19 14:36

The Catfish Effect Emerges: Stablecoins Are Forcing the Banking System to Improve Efficiency and Interest Rates

比推12/19 14:36

What Malaysia’s royal stablecoin reveals about Asia’s shift to tokenized money

Malaysia's RMJDT is a ringgit-pegged stablecoin issued by Bullish Aim, a company linked to Johor's Crown Prince, on the Zetrix blockchain. Designed for payments and cross-border trade, it is backed by ringgit cash and government bonds, with a conservative reserve model. A separate treasury funded with Zetrix tokens aims to ensure network stability. This initiative reflects Asia's broader shift toward regulated tokenized money, where stablecoins are increasingly subject to licensing, reserve rules, and redemption requirements. It also highlights the growing need for onchain settlement in local currencies to support the expansion of tokenized assets, as seen in regional efforts like Singapore's Project Guardian. Regulatory frameworks in Hong Kong, Singapore, and Japan emphasize supervised issuance, aligning with Malaysia's phased approach to financial tokenization.

cointelegraph12/19 13:15

What Malaysia’s royal stablecoin reveals about Asia’s shift to tokenized money

cointelegraph12/19 13:15

RWA Weekly: Coinbase Announces Launch of Prediction Markets and Tokenized Stocks; Stablecoin U Goes Live on BNB Chain and Ethereum

RWA Weekly Roundup: Coinbase Launches Prediction Markets and Tokenized Stocks; Stablecoin $U Debuts on BNB Chain and Ethereum The on-chain RWA market cap rose slightly to $18.9 billion, while stablecoin market capitalization exceeded $300 billion, though transaction activity declined, indicating a "stagnant liquidity" phase. Regulatory developments accelerated globally, with China promoting the digital yuan, and the U.S., Canada, and Hong Kong advancing stablecoin and asset tokenization frameworks. Traditional financial institutions expanded their involvement: JPMorgan launched a tokenized money market fund on Ethereum and integrated JPM Coin with Base, while Visa and Mastercard extended stablecoin payment services. DTCC partnered with Canton Network for U.S. Treasury tokenization. Coinbase introduced prediction markets and tokenized stocks, PayPal launched a PYUSD savings vault, and SoFi issued its own stablecoin, SoFiUSD. Emerging markets like Brazil and Pakistan also explored sovereign asset tokenization. Stablecoin $U went live on BNB Chain and Ethereum, integrating with DeFi protocols like PancakeSwap and ListaDAO. Despite growth, JPMorgan analysts caution that stablecoin market size may not reach $1 trillion by 2028, projecting a more moderate expansion to $500-600 billion. The sector continues to evolve, driven by regulatory clarity and institutional adoption, embedding RWA deeper into global payment and asset management systems.

marsbit12/19 13:06

RWA Weekly: Coinbase Announces Launch of Prediction Markets and Tokenized Stocks; Stablecoin U Goes Live on BNB Chain and Ethereum

marsbit12/19 13:06

The Catfish Effect? Stablecoins Are Truly the Enemy of Bank Deposits

The article challenges the prevailing narrative that stablecoins pose an existential threat to the traditional banking system by causing massive deposit outflows. Instead, it argues that stablecoins act as a competitive catalyst, forcing banks to improve efficiency and offer higher deposit rates, rather than replacing them. Key points include: - Research indicates no significant correlation between stablecoin growth and bank deposit outflows, highlighting the "sticky" nature of deposits due to the convenience of bundled banking services (e.g., mortgages, payroll). - Stablecoins introduce competition, compelling banks to enhance operational efficiency and customer benefits, ultimately expanding financial intermediation and consumer welfare. - Regulatory frameworks like the GENIUS法案 (likely referring to U.S. stablecoin legislation) mitigate risks by mandating full reserves (cash, short-term Treasuries) and enforceable redemption rights, addressing concerns about run and liquidity risks. - Stablecoins offer efficiency gains through atomic settlements, enabling instant, cross-border transactions without intermediary delays, which could modernize outdated financial infrastructure. - The U.S. is urged to lead in stablecoin innovation to preserve the dollar’s global dominance, transforming stablecoins from offshore novelties into transparent, regulated components of domestic financial systems. The conclusion emphasizes that banks should view stablecoins as an opportunity to evolve, similar to other industries disrupted by technology, rather than as a threat.

marsbit12/19 07:49

The Catfish Effect? Stablecoins Are Truly the Enemy of Bank Deposits

marsbit12/19 07:49

Dialogue with Christian, a Post-00s Fintech Entrepreneur: Craving Iteration Speed and Mutual Candor, Financial Mindset Matters More Than Choices, 'Young People Should Have Awe'

Amid a challenging 2025, Christian, the 00-year-old founder of fintech startup Infini, reflects on a year marked by a major security breach and a strategic pivot. The company shifted from consumer-focused crypto services to B2B financial infrastructure, emphasizing payment solutions and stablecoin integration. Christian stresses that the core value in fintech isn't just efficiency but trust, earned through rapid iteration, transparent service, and 24/7 responsiveness. He believes financial products should empower users with financial literacy and risk awareness, rather than just offering investment options. Infini’s new direction focuses on building a "financial OS" to help global entrepreneurs—especially solo developers and small teams—receive payments and manage capital easily, reducing dependency on traditional banking. Christian also shares management insights: prioritize speed, curiosity, and radical honesty within teams. He admires Revolut’s execution speed and high standards, and draws inspiration from historical leaders like Emperor Taizong of Tang for their strategic decisiveness and ability to integrate talented but strong-willed individuals. Despite a tough year, he views these challenges as crucial lessons in resilience, team alignment, and maintaining long-term vision.

marsbit12/19 07:13

Dialogue with Christian, a Post-00s Fintech Entrepreneur: Craving Iteration Speed and Mutual Candor, Financial Mindset Matters More Than Choices, 'Young People Should Have Awe'

marsbit12/19 07:13

Digital Wallets Surge, While Regulators Play Catch-Up'

Digital wallets are rapidly evolving beyond simple payment tools to encompass lending, investments, crypto assets, digital IDs, and virtual cards, while regulators struggle to keep pace with outdated rules. In the U.S., PayPal (32%), Cash App (25%), and Apple Pay (20%) lead the market, with 77% of adults using at least one major wallet. The CFPB attempted to impose stricter oversight on large non-bank payment providers like Google, Apple, and PayPal through a 2023 proposal, but it was overturned by Congress and President Trump in 2025. Despite this, digital wallets remain subject to a complex web of state and federal regulations, including money transmission licensing, Reg E, UDAAP rules, and FinCEN requirements. Experts warn that inconsistent enforcement and expanding wallet functionalities create compliance challenges, and a loss of consumer trust could trigger renewed regulatory pressure. Key issues include unclear user protections, reliance on banking partners, and potential state-level enforcement if federal oversight weakens.

marsbit12/19 03:08

Digital Wallets Surge, While Regulators Play Catch-Up'

marsbit12/19 03:08

Intuit to use Circle’s stablecoin for financial platforms

Intuit, the company behind TurboTax, QuickBooks, and Mailchimp, has entered a multi-year strategic partnership with Circle to integrate its stablecoin infrastructure and USDC. The collaboration aims to enable faster and lower-cost payments across Intuit’s platforms for business transactions, tax refunds, and marketing. Circle CEO Jeremy Allaire emphasized that the deal will extend the efficiency of USDC for everyday financial use. USDC is the second-largest stablecoin with a market cap exceeding $77 billion. The U.S. stablecoin market is expected to grow significantly following the passage of the GENIUS Act, which provides regulatory clarity for issuers. This announcement follows the OCC’s conditional approval of Circle for a national trust bank charter, a move also extended to other crypto firms like Ripple and Paxos, signaling broader institutional adoption of digital assets.

cointelegraph12/18 18:23

Intuit to use Circle’s stablecoin for financial platforms

cointelegraph12/18 18:23

XRP Ledger Adds Military-Grade Security Via Payments Engine Standard

Ripple has published the first formal specification for the XRP Ledger’s Payment Engine, developed with formal methods firm Common Prefix. This document aims to provide a canonical reference for payment behavior and cross-asset transfers on the ledger, moving beyond empirical success to mathematical certainty. The initiative addresses the limitations of relying solely on the C++ codebase as the source of truth, which makes it difficult to distinguish intentional design from historical behavior. As the ledger prepares for more complex features—like lending, batch transactions, and decentralized exchange upgrades—this specification ensures clarity and safety. The specification focuses on the Payment Engine and plans to extend to the Consensus Protocol, described as non-negotiable for network safety. Ripple aims to create both human-readable reference and machine-verifiable models to enable formal verification by 2026. The goal is to shift from "code-as-truth" to "mathematics-as-truth," enhancing security and enabling advanced features. The XRP community has welcomed the announcement as a major step toward military-grade security and protocol reliability.

bitcoinist12/18 14:02

XRP Ledger Adds Military-Grade Security Via Payments Engine Standard