# Digital Wallet的所有文章

在 HTX 新聞中心流覽與「Digital Wallet」相關的最新資訊與深度分析。潘蓋市場趨勢、專案動態、技術進展及監管政策，提供權威的加密行業洞察。

175-Year-Old Western Union: Not Just Playing with Stablecoins, but Also Acquired a Digital Wallet

At 175 years old, Western Union, the global money transfer giant, is undergoing a significant digital shift. After a failed 2018 experiment with Ripple's XRP due to high costs, the company is now aggressively embracing blockchain and digital assets. In April 2026, Western Union acquired Singapore-based digital wallet Dash from Singtel, marking its first digital wallet asset in the Asia-Pacific region. Dash, with 1.4 million users, offers a full suite of services including payments, remittances, savings, insurance, and investments, deeply integrated into Singapore's local life. This move is part of a broader strategy to modernize its legacy business. While Western Union's vast network of over 500,000 physical agent locations remains its backbone, it is also its biggest cost burden. The company faces intense competition from digital-native rivals like Wise and Remitly, which offer significantly lower fees. To compete, Western Union is building a "Digital Asset Network." A key component is its own USD-pegged stablecoin, USDPT, issued on the Solana blockchain in partnership with Anchorage Digital. It is also piloting a stablecoin-linked Visa card with Rain for users in high-inflation countries like Argentina, allowing them to spend or cash out dollars at its agent locations. The acquisition of Dash represents a fundamental change: moving from being a transient "pipe" for money transfers to building a destination where users stay. Dash provides a trusted, established platform to test and deploy these new digital products, serving as a launchpad for Western Union's expansion across the Asia-Pacific region.

marsbit04/07 09:46

175-Year-Old Western Union: Not Just Playing with Stablecoins, but Also Acquired a Digital Wallet

marsbit04/07 09:46

Dialogue with HashKey's Xiao Feng: Digital Identity Must Be Granted to AI Agents to Enhance Trustworthiness

In an interview, HashKey CEO Dr. Xiao Feng discussed the integration of AI and blockchain, emphasizing the need for AI Agents to have verifiable digital identities. He argued that as AI Agents like OpenClaw become more autonomous and economically active, they require independent digital identities and native wallet accounts, rather than traditional banking systems. Blockchain technology, particularly through non-fungible tokens (NFTs) and soulbound tokens, can provide these identities, ensuring security and accountability. Dr. Xiao also mentioned HashKey’s participation in the Agent Payment Protocol (AP2) alliance, which explores stablecoin payments and on-chain settlements for AI Agents. He predicted that individuals may eventually manage up to 50 AI Agents, significantly enhancing daily efficiency. Additionally, he highlighted Hong Kong’s potential to become a global digital asset hub, leveraging its unique position and resources within China’s broader technological and economic landscape.

marsbit03/13 01:28

Dialogue with HashKey's Xiao Feng: Digital Identity Must Be Granted to AI Agents to Enhance Trustworthiness

marsbit03/13 01:28

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

China Turns To Interest Rates To Kick-Start Digital Yuan Adoption

China will allow commercial banks to pay interest on digital yuan (e-CNY) wallet balances starting January 1, 2026, shifting the digital currency from a cash-like instrument to a deposit-like asset. The People’s Bank of China (PBOC) introduced the new framework, which brings e-CNY under deposit insurance protection and requires non-bank payment providers to hold full reserves. By November 2025, e-CNY recorded 3.48 billion transactions totaling ¥16.7 trillion ($2.37 trillion). The move may influence where consumers and businesses store funds, as interest-bearing e-CNY becomes more attractive. Banks may face higher operational costs but could benefit from reduced nonbank platform deposits. The policy also strengthens cross-border testing and regulatory oversight.

bitcoinist12/30 20:07

China Turns To Interest Rates To Kick-Start Digital Yuan Adoption

bitcoinist12/30 20:07

Central Bank Decides to Make Budget Payments in Digital Rubles Commission-Free for All

The Central Bank of Russia has decided to make all payments to the state budget using the digital ruble commission-free for both citizens and businesses. This policy, with zero fees for all transaction types, will be in effect from January 1, 2026, until the end of that year. Starting in 2027, certain transactions will incur fees. These include a 15-ruble fee for transfers between legal entities, a 0.3% commission (capped at 1,500 rubles) for transfers from individuals to legal entities (excluding utility bills, paid by the recipient), and a 0.2% fee (capped at 10 rubles) for individual utility payments (paid by the recipient). From September 1, 2026, the largest banks must provide all clients with the ability to open digital ruble wallets. Russians will also be able to receive their salaries in the digital currency. A mandatory rollout schedule was outlined: the 12 largest banks must support operations by September 2026, followed by companies with revenue over 120 million rubles. Smaller companies and all banks will be phased in through 2028. The article notes that Russia is one of the first countries to launch a national digital currency, which is designed for payments only and does not accrue interest. It contrasts this with China's digital yuan (e-CNY), which reportedly did not see high public demand initially. To boost adoption, China's regulator will allow commercial banks to pay interest on digital yuan holdings starting in 2026.

RBK-crypto12/30 11:59

Central Bank Decides to Make Budget Payments in Digital Rubles Commission-Free for All

RBK-crypto12/30 11:59

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