# Пов'язані статті щодо Merchants

Центр новин HTX надає останні статті та поглиблений аналіз на тему "Merchants", що охоплює ринкові тренди, оновлення проєктів, технологічні розробки та регуляторну політику в криптоіндустрії.

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

a16z: The Real Opportunity for Stablecoins Lies Not in Disruption but in Filling the Gaps

The article argues that the true opportunity for stablecoins lies not in displacing traditional card networks like Visa and Mastercard, but in serving new types of merchants that cannot access conventional payment systems. While some in the crypto community believe AI agents will bypass card networks to avoid fees, the author contends cards will dominate most transactions due to their consumer protections (e.g., chargebacks), fraud detection, rewards, and existing infrastructure. Card networks are already adapting to new use cases like AI-driven commerce. The real stablecoin opportunity exists in the emerging wave of AI-native developers and micro-businesses. These entities—often without legal structure, websites, or traditional banking—are creating tools and generating revenue but are unable to meet the risk and compliance requirements of traditional payment processors. For them, stablecoins are currently the only viable way to receive payments, filling a critical gap until traditional systems adapt. Thus, stablecoins serve not as a replacement for cards, but as essential infrastructure for the next generation of merchants that existing systems cannot yet underwrite.

marsbit03/06 13:12

a16z: The Real Opportunity for Stablecoins Lies Not in Disruption but in Filling the Gaps

marsbit03/06 13:12

The Real Opportunity for Stablecoins Is Not to Replace Visa

Stablecoins are not positioned to replace major card networks like Visa or Mastercard, but rather to serve emerging types of merchants that traditional payment systems cannot yet underwrite. While card networks offer essential features like unsecured credit, fraud protection, and chargebacks—which stablecoins currently lack—their real opportunity lies in filling a critical infrastructure gap. The rise of AI-powered tools is rapidly creating a class of "vibe coders" and micro-scale API services that operate without traditional business structures, websites, or long-term operational history. These entities struggle to access card payment systems due to stringent risk assessment requirements. Stablecoins provide a solution by enabling direct, irreversible payments without intermediaries, merchant accounts, or underwriting. This dynamic mirrors historical shifts where new payment methods (like PayPal) emerged to serve previously unbankable merchants. Stablecoins don't compete with cards; they offer a viable alternative where traditional systems are absent. The future of payments will likely see card networks continuing to dominate established commerce, while stablecoins catalyze new business models in the risk gap that traditional providers have yet to close.

marsbit03/05 05:40

The Real Opportunity for Stablecoins Is Not to Replace Visa

marsbit03/05 05:40

Large Businesses Driving Crypto Payments Adoption, PayPal Survey Finds

A PayPal survey conducted with the National Cryptocurrency Association reveals that 40% of U.S. merchants now accept cryptocurrency at checkout, with adoption strongest among large enterprises. Half of businesses with over $500 million in annual revenue accept crypto, compared to 34% of small businesses. The report indicates crypto payments are transitioning from experimentation to routine commerce, with 84% of merchants expecting crypto to become common within five years. Key drivers include customer demand—88% of merchants have received crypto payment inquiries—and the potential to attract new customers. However, merchants emphasize the need for crypto payment setups to be as simple as card transactions, with 90% more likely to adopt if the user experience matches traditional methods. PayPal's "Pay with Crypto" feature aims to address this by offering instant settlement and lower costs through conversion to stablecoins or fiat.

ccn.com01/28 11:08

Large Businesses Driving Crypto Payments Adoption, PayPal Survey Finds

ccn.com01/28 11:08

Crypto Bill Gets A Boost As US Senator Pulls Card Fees Measure

US Senator Roger Marshall proposed an amendment to a crypto market structure bill that would require large banks to allow at least two unaffiliated networks to process debit and credit card transactions. The measure aims to increase competition and lower swipe fees for merchants, which typically range from 1.5% to 3.5%. While supported by retailers and consumer advocates for potentially reducing costs, banks and card networks warn it could increase fraud risks and implementation expenses. The amendment, which could also affect crypto debit card networks, was temporarily set aside during committee discussions due to concerns about complicating the broader bill. Support and opposition cross party lines, leaving the outcome uncertain.

bitcoinist01/28 00:32

Crypto Bill Gets A Boost As US Senator Pulls Card Fees Measure

bitcoinist01/28 00:32

Bitcoin Finds A Real-World Use Case In Las Vegas Stores

Small and large stores in Las Vegas are increasingly accepting Bitcoin for everyday transactions to reduce credit card processing fees and attract crypto-savvy customers. Merchants report using Bitcoin payment tools, often via the Lightning Network or conversion services, to lower costs significantly compared to traditional card fees. Services like Square’s no-fee Bitcoin checkout have accelerated adoption. Businesses—from juice bars to chains—are seeing real use, with some experiencing increased foot traffic and new sales. The Lightning Network enables fast, low-cost payments, making in-person crypto transactions practical. While some merchants convert Bitcoin to cash quickly, others hold a portion, noting reduced chargeback risks. Customers, including tourists and locals, are adapting to the convenience of QR-based payments.

bitcoinist01/26 10:01

Bitcoin Finds A Real-World Use Case In Las Vegas Stores

bitcoinist01/26 10:01

Bitcoin Took Top Spot In 2025 Crypto Payments, Litecoin Third-Most Used: CoinGate

In its 2025 report, payment processor CoinGate announced Bitcoin reclaimed its position as the most used cryptocurrency for payments on its platform, accounting for 22.10% of all transactions. This dethroned the previous leader, Tether (USDT), which held a 16.60% share. Litecoin secured the third spot with 14.40% of payments, attributed to its fast and cheap transactions. Ethereum and Tron both saw growth in their payment shares. The Bitcoin blockchain, including Lightning Network, was the most used network. The United States was the leading country for transactions. Notably, more merchants chose to settle payments in crypto, with stablecoins being the preferred method. Despite its payment dominance, Bitcoin's price was down over 9% at the time of writing, trading around $88,300.

bitcoinist01/22 11:32

Bitcoin Took Top Spot In 2025 Crypto Payments, Litecoin Third-Most Used: CoinGate

bitcoinist01/22 11:32

The Biggest Trap of Stablecoins: 99% of Companies Issuing Tokens Are Just 'Self-Indulgent'

Stablecoins are increasingly being adopted by traditional finance companies like Klarna, PayPal, Stripe, and Cash App due to their ability to reduce settlement costs, enable global reach, and provide instant settlements. However, the article argues that most companies issuing their own branded stablecoins are engaging in futile "self-aggrandizement," as the market cannot sustainably support thousands of different tokens. Key benefits of stablecoins include significantly lower transaction fees compared to credit cards, borderless transactions without FX fees, and 24/7 near-instant settlement. While these advantages are clear, the article emphasizes that success depends not on issuing a token, but on integrating stablecoins as a payment rail into existing products and workflows. Case studies highlight different approaches: PayPal’s PYUSD serves as a defensive move to retain users within its ecosystem; Klarna uses stablecoins to reduce internal payment friction; and Stripe strategically avoids issuing its own token, instead facilitating transactions using established stablecoins like USDC. The piece concludes that liquidity, acceptance, and integration matter far more than branding. Merchants and users will gravitate toward simplicity and reliability, leading to natural consolidation around a few dominant stablecoins. The real value lies in leveraging stablecoins to improve payment infrastructure—not in creating yet another branded digital dollar.

比推01/07 18:19

The Biggest Trap of Stablecoins: 99% of Companies Issuing Tokens Are Just 'Self-Indulgent'

比推01/07 18:19

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