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MetaPay-Open the Era of Meta Payment

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Since the birth of mankind, we seem to have never experienced lasting peace and prosperity. We have tried our best to build one civilization after another, but because of lack of trust and coordination, it always disappeared immediately. In the evolution of the universe, humans have walked for millions of years, but even though they have faced countless difficulties together, they still cannot understand each other in the end.

Just when we were about to lose confidence, the emergence of blockchain relighted our hopes. The greatness of decentralized consensus is that code is more reliable than human nature, and “Code is Law” can last the development of civilization. Decentralization allows independent thoughts to shine like stars, and at the same time allows trillions of individuals to reach a commendable consensus on the identification of rules and trends, and enable the collaboration between humans to reach an unprecedented height and breadth.

In the collaboration between many humans, MetaPay shines with the brightest light, guiding us towards eternity.

Why is MetaPay followed by the public?

We know that the existing global payment system relies on the establishment of various centralized governments, central banks and some third-party payment institutions. There seems to be no problem with the existing payment system, it has very fatal flaws.

Firstly, the fully centralized governance system makes the system very easy to be attacked by hackers, and once it is attacked, it will cause catastrophic consequences. Secondly, the high transfer fees and management fees have seriously harmed the interests of users. Thirdly, when it comes to cross-border transfers and payments, the speed and efficiency will be greatly reduced, which is not conducive to the development of commercial trade.

Based on these market pain points, the founding team of MetaPay put forward the idea of ​​meta-financial payment.

Meta Finance, derived from Metaverse, is committed to the construction of virtual and real payment infrastructure,is a safe and efficient Meta financial payment ecosystem based on the Ethereum Layer 2 expansion protocol developed by genius blockchain technology geeks. The main direction is cross-chain payment and ecological construction of virtual assets, including decentralized payment , pledge, liquidity mining, NFT aggregator, etc.

The reason why MetaPay can carry the efficient and complicated payment requirements is because of its strong cryptographic algorithm. It uses the discrete logarithm encryption and elliptic curve encryption which are commonly used in modern public key crypto systems. At the same time, it uses the non-interactive zk-SNARKs zero-knowledge proof system to completely address the issue of transactions being traced to expose user privacy.

MetaPay adopts the Layer 2 technology based on Ethereum, and achieves a flash payment experience comparable to Internet products through expansion of the off-chain channel. In addition to the extremely fast payment experience, there is no handling fee in the off-chain channel, which effectively solves the problems of slow speed and high gas fee of the Ethereum.

It is mainly achieved through the following three aspects:

Two-way payment channel

Two participants create a ledger entry on the blockchain, which requires the two participants to sign any fund expenditures. Both parties create transactions that return ledger entries to their respective allocations, but do not broadcast them to the blockchain. They can update the personal distribution of ledger entries by creating many transaction expenditures from the current ledger entry output. Only the latest version is valid, which is enforced by smart contract scripts that can be analyzed by the blockchain. By broadcasting the latest version to the blockchain, any party can close the entry at any time without any trust or custody.

Lightning Network

By creating a network of two-party ledger entries, you can find a path across the network, similar to routing data packets on the Internet. The nodes on the path are not trusted because the payment is executed through a script that enforces atomicity (the entire payment succeeds or fails) by decrementing the time lock. In order to expand Lightning Network in Layer 2, MetaPay incorporates two basic protocols, RSMC (Revocable Sequential Maturity Contract) and HTLC (Hash Clocked Contract) in the transaction verification process of the underlying protocol which is to build the Fund pool on Layer 2 and the establishment  of payment channels.

The Lightning Network on Layer 2 has many advantages. The first is instant determinism. As long as the signatures of all parties pass the status update, the status will be “confirmed” without waiting for block confirmation on the blockchain; Secondly, The status update is off-chain, and peer-to-peer communication can guarantee privacy. Only the final status will be submitted to the blockchain. Finally, there is a low gas fee. The Lightning Network only needs to settle and clear the fees on the blockchain when the channel is opened and closed. At other times, no matter how the two parties update in the channel, the transaction is free.

Blockchain arbitration mechanism

It is possible to conduct transactions outside the blockchain without restrictions. It is also possible to conduct off-chain transactions with the confidence that it is executable on the blockchain. This is similar to the way one person enters into many legal contracts with others, but there is no arbitration every time a contract is signed. By making transactions and scripts parseable, smart contracts can be executed on the blockchain. Only in the case of non-cooperation, arbitration will be intervened. But for blockchain, the result is certain.

There is no doubt that the technical team of MetaPay understands the pain points of the current market very well. Through the above three points, MetaPay can completely break the congestion of existing Ethereum network transactions and achieve the best transaction speed in the entire network.

The MetaPay system with advantages such as instant payment, high scalability, low cost and cross-chain will help mankind get rid of the shackles of the existing payment system and realize the ultimate dream of payment freedom.

If you think MetaPay’s planning stops at payment, then you are wrong. After completes the payment infrastructure, it will use Meta NFT as the starting point to fully deploy the metaverse ecology.

Let’s first look at the layout of Meta NFT. It aims to build the world’s largest NFT asset and financial derivatives trading platform with the richest ecology and the strongest technical strength.

Therefore, Meta  NFT is integrating more than 100 animation IP and 1,000 global artists and collecting more than 5,000 contemporary artworks as a reserve. Users will be free to trade NFT assets including artwork and real estate in Meta NFT.

In addition to NFT asset trading, Meta NFT allows users to mint their custom NFT assets.

Users can directly create NFTs in Meta NFT Layer 2, and the changes in the state of the world in the system are similar to recharging NFTs. Web, Mobile App and API-based user interfaces to the Mint smart contract will be developed to make asset creation and management a simple process. The following parameters define a new custom asset:

Currently, MetaPay has completed the construction of the development team, the internal structure of the functional prototype, and is focusing on the development of the first version of MetaPay. Although the development work is still in progress, MetaPay has completed the internal angel round of fundraising and is in the process of private sales. At present, it has received preliminary investment intentions from global leading institutions such as CMS, AU21, DFG, NGC, Rarestone, LinkPad, etc.

As of press time, the MetaPay team is still intensively developing. It is believed that users will be able to directly use MetaPay and NFT asset trading shortly. We are very much to see it soon.

If you want to know lates news about MetaPay, please check following links:

MetaPay Twitter:https://twitter.com/Metapay1/

MetaPay Telegram:https://t.me/metapaygroup

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Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.

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Dr. Denaesh Ariyanayagam Advocates for Stronger Patient Awareness and Long-Term Preventive Care

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Trinidad and Tobago, Spain, 21st July 2026, ZEX PR WIRE, Dr. Denaesh Ariyanayagam, Consultant General and Vascular Surgeon at St. Augustine Private Hospital, is speaking out about the growing importance of patient awareness, preventive healthcare, and consistent medical follow-up in improving long-term health outcomes.

Drawing from decades of experience in surgery, medical education, and hospital leadership, Dr. Ariyanayagam believes many serious health conditions can be managed more effectively when patients are informed, proactive, and engaged in their own care.

“Patients should feel informed and involved,” he said. “That builds trust and leads to better decisions over time.”

Healthcare experts worldwide continue to emphasize the importance of patient engagement. According to the World Health Organization, chronic diseases such as cardiovascular disease, diabetes, and vascular conditions account for nearly 74% of deaths globally. Many of these conditions are linked to delayed diagnosis, inconsistent monitoring, and preventable lifestyle factors.

Dr. Ariyanayagam believes education and communication remain central to addressing these issues.

“Honesty, competence, and patient advocacy should always come first,” he said. “People need clear information so they can understand their condition and participate in their care.”

As a vascular surgeon, he has seen firsthand how patients often wait too long before seeking medical attention. He notes that regular checkups, early evaluation of symptoms, and better understanding of vascular health can significantly improve outcomes.

“Keep your eye on the goal and the big picture,” he said. “In healthcare, the goal is long-term well-being, not short-term convenience.”

Dr. Ariyanayagam also highlighted the growing pressures facing healthcare systems worldwide. The World Health Organization projects a global shortage of nearly 10 million healthcare workers by 2030, increasing the importance of efficient communication, patient education, and preventive care strategies.

Throughout his career, Dr. Ariyanayagam has emphasized structured planning and consistency, both in medicine and in life.

“Set realistic goals, create timelines, plans to achieve goals, and constant reevaluation,” he said. “That approach applies to personal health as much as professional life.”

He is encouraging individuals to take practical steps on their own to become more active participants in their healthcare journey, including:

  • Scheduling regular medical checkups

  • Asking questions during appointments

  • Learning family medical history

  • Following through with treatment plans

  • Maintaining balance through healthy lifestyle habits

“Balance is crucial for well-being,” he said.

Dr. Ariyanayagam also believes that long-term discipline plays a major role in both professional success and personal health. His own career has been shaped by decades of continuous learning, beginning with graduating with honors and a gold medal in medicine from the University of the West Indies, followed by postgraduate surgical training in Edinburgh, United Kingdom.

“Hard work and dedication of a lifetime to quality and competence,” he said, “is what creates lasting results.”

In addition to his surgical practice, Dr. Ariyanayagam spent 15 years as a full-time faculty member at the University of the West Indies and later became a founding partner and past chairman of the board at St. Augustine Private Hospital.

He believes mentorship and patient education remain essential parts of improving healthcare systems for future generations.

“Education creates the foundation,” he said. “But maintaining standards requires constant effort.”

Dr. Ariyanayagam hopes more individuals will take ownership of their health through consistent habits, better communication, and informed decision-making rather than waiting for problems to escalate.

To read the full interview, visit the website here.

About Dr. Denaesh Ariyanayagam

Dr. Denaesh Ariyanayagam is a Trinidad-based Consultant General and Vascular Surgeon at St. Augustine Private Hospital. He graduated with honors in medicine and earned a gold medal from the University of the West Indies before completing postgraduate surgical training in Edinburgh, United Kingdom. He is a Fellow of the Royal College of Surgeons of Edinburgh, the International College of Surgeons, and the American College of Surgeons. Dr. Ariyanayagam is also a founding partner and former chairman of St. Augustine Private Hospital and previously served as a full-time faculty member at the University of the West Indies for 15 years.

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Jeremy Yono Financial Planning Announces Community Partnership to Support Financial Education Programs in Detroit Schools

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New Initiative Expands Financial Literacy Opportunities for Students Through Classroom Resources, Educational Workshops, and Community Collaboration

Detroit, Michigan, 21st July 2026, ZEX PR WIREJeremy Yono Financial Planning, a Detroit-based financial services firm specializing in long-term wealth management and strategic financial planning, has announced a new community partnership designed to strengthen financial education programs in Detroit schools. The initiative brings together educators, community organizations, and financial professionals to provide students with practical financial knowledge that can support responsible decision making throughout their lives.

The partnership reflects the firm’s long-standing commitment to improving financial literacy by making quality educational resources more accessible to young people. Through classroom support, educational programming, and age-appropriate learning materials, Jeremy Yono Financial Planning aims to help students develop a stronger understanding of budgeting, saving, responsible spending, and long-term financial planning before they enter adulthood.

The announcement represents another step in the firm’s broader mission to encourage financial confidence through education while contributing to the long-term economic well-being of Detroit’s communities. By working directly with local schools, the company hopes to create meaningful learning opportunities that prepare students for future financial responsibilities.

Expanding Financial Education Where It Matters Most

Financial literacy continues to be recognized as an essential life skill, yet many students receive limited instruction on managing personal finances before graduating. As young adults begin making decisions involving bank accounts, credit, higher education expenses, employment income, and long-term savings, many are left to learn through experience rather than structured education.

Jeremy Yono Financial Planning developed this partnership to help address that challenge. Working alongside participating schools and community organizations, the firm will support educational programs that introduce practical financial concepts in an engaging and accessible way.

The initiative includes educational presentations, classroom resources, and workshops designed to explain financial topics using real-world examples that students can easily understand. Rather than focusing on technical financial terminology, the programs emphasize everyday money management skills that can benefit students regardless of the career paths they eventually choose.

Topics covered throughout the program may include budgeting, saving for future goals, responsible borrowing, understanding credit, preparing for major financial milestones, and developing healthy financial habits that can last a lifetime.

According to the company, providing students with practical financial knowledge at an early age creates opportunities for greater confidence and stronger financial decision making as they move into adulthood.

Building Stronger Financial Foundations Through Education

Jeremy Yono Financial Planning has consistently emphasized the importance of financial education as one of the cornerstones of long-term financial success. While professional financial guidance remains valuable, the firm believes individuals benefit most when they understand the principles behind responsible financial planning.

The new school partnership extends that philosophy into the classroom by helping students develop practical financial skills before they begin managing their own finances independently.

Educational materials have been designed to encourage participation, critical thinking, and practical application. Lessons focus on situations students are likely to encounter during different stages of life. This allows them to connect financial concepts with everyday decisions.

The company believes that financial literacy should not be reserved for those already seeking professional financial advice. Instead, it should become part of every student’s educational experience, providing a stronger foundation for future personal and professional success.

By investing in financial education today, Jeremy Yono Financial Planning hopes to help young people approach future financial opportunities with greater knowledge, preparation, and confidence.

Supporting Students, Educators, and Families

The partnership has been developed to benefit not only students but also the educators and families who play important roles in financial learning.

Teachers participating in the initiative will receive access to educational resources that complement existing classroom instruction while introducing practical financial concepts in an approachable format. These materials are intended to support ongoing learning rather than function as standalone lessons.

Parents and guardians also benefit when students bring financial discussions into the home. Conversations about budgeting, saving, goal setting, and responsible spending can encourage healthy financial habits across entire families while reinforcing lessons introduced in school.

Jeremy Yono Financial Planning believes that financial education becomes more meaningful when schools, families, and community organizations work together toward shared educational goals.

The partnership therefore emphasizes collaboration at every stage. It creates opportunities for continued learning beyond the classroom and encourages students to apply financial concepts to everyday situations.

Strengthening Detroit Through Community Investment

Detroit has built its reputation on resilience, innovation, and determination. Those qualities continue to inspire businesses and organizations committed to supporting the city’s long-term success.

Jeremy Yono Financial Planning views community engagement as an important extension of its professional work. Helping individuals build stronger financial futures begins with providing access to reliable information, practical education, and opportunities for lifelong learning.

The firm’s decision to partner with Detroit schools reflects its belief that financial literacy contributes to stronger communities. Students who develop sound financial habits early are often better prepared to navigate future economic challenges, pursue educational opportunities, manage debt responsibly, and make informed financial choices throughout adulthood.

As these students become professionals, entrepreneurs, homeowners, and community leaders, the benefits of financial education can extend well beyond the classroom.

The company believes that improving financial knowledge at the local level supports broader economic resilience while helping create stronger households and healthier communities throughout Detroit.

Looking Toward Long-Term Impact

Jeremy Yono Financial Planning intends for this initiative to become part of its continuing commitment to community involvement and financial education. As the partnership develops, the firm plans to explore additional opportunities to expand educational programming, strengthen community relationships, and provide practical financial resources to students across the Detroit area.

The company remains committed to promoting responsible money management through education, thoughtful planning, and community collaboration. By working alongside educators and local organizations, Jeremy Yono Financial Planning hopes to encourage greater financial confidence among future generations while supporting long-term economic opportunity throughout the region.

Through this partnership, the firm continues to demonstrate that financial planning extends beyond investment strategies and retirement planning. It also includes helping communities build the knowledge and confidence needed to make informed financial decisions throughout every stage of life.

About Jeremy Yono Financial Planning

Jeremy Yono Financial Planning is a Detroit-based financial services firm specializing in long-term wealth management, strategic financial planning, and practical financial guidance for individuals and businesses. The firm provides personalized services including retirement planning, portfolio management, budgeting, business financial consulting, and risk management. Guided by research-driven strategies and a commitment to financial education, Jeremy Yono Financial Planning helps clients pursue sustainable financial growth while supporting responsible money management and stronger communities.

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TaxTec Development Head Raises Red Flag Framework for AI Deployment in Highly Regulated Fintech

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London, United Kingdom, July 21st, 2026, FinanceWire

Austen Little, Head of Product Development at withholding tax reclamation experts TaxTec, has released a summary guidance note on the deployment of AI in highly regulated financial services applications.

The guidance draws on TaxTec’s historical and recent product and service development experience to highlight several areas of risk when using or implementing artificial intelligence in capital markets financial services. Mr Little’s guidance note builds on advice from authorities such as the OECD [1], The World Economic Forum [2] and the International Monetary Fund [3], amongst others, urging caution over the risks of machine learning in financial services processes and decision making.

Mr Little highlights the fact that many financial markets processes, many of which are in the throes of regulatory digitalization, still present challenges for effective AI deployment, including:

  • Data quality issues – especially where processes are international and span multiple legislatures
  • The rate of digital evolution of the sector and changing regulatory regimes
  • The requirements for ‘explainability’ of client decisions (risk, approvals, entitlements)
  • The nature and scale of ‘harms’ possibly resulting from AI agent mistakes, and their likely impact on financial institutions
  • The AI-generated tension between financial services risk appetite and client service standards/reputation
  • Data governance and privacy considerations in data-hungry AI-driven world

Striking a balanced argument, however, Mr Little’s guidance note also highlights where the power and efficiency of AI can be safely deployed and generate substantial value. He points out specific examples from the world of withholding tax reclamation in order to give precise examples that readers can recognize and which are drawn from TaxTec’s real life experience. These include:

  • Document management
  • Data extraction
  • Data quality enhancement
  • Research assistance
  • Workflow management
  • Status monitoring
  • Analytics & forecasting

Readers wishing to download their copy of the TaxTec guidance note on AI in capital markets financial services should visit: https://taxtec.com/news/artificial-intelligence-fintech-development/.

About TaxTec

Founded in 2023, TaxTec is revolutionizing tax recovery for institutional investors and their agents. Utilizing the latest AI-enabled digital technology, their highly automated global tax recovery proposition and client-centric service model maximize reclaim opportunities for their clients across all major markets. TaxTec clients recover more tax at a lower cost, enhancing their investment returns.

1. OECD, Supervision of artificial intelligence in finance: Challenges, policies and practices, 27 January 2026 https://www.oecd.org/en/publications/supervision-of-artificial-intelligence-in-finance_92743dc1-en.html

2. World Economic Forum, The AI Playbook for Financial Services: Insight Report, June 2026 https://reports.weforum.org/docs/WEF_The_AI_Playbook_for_Financial_Services_2026.pdf

3. IMF eLibrary, Regulatory Considerations Regarding Accelerated Use of AI in Securities Markets, 24 December 2025 https://www.elibrary.imf.org/view/journals/005/2025/016/article-A001-en.xml

Contact

Sarah Nurgat
ThoughtSpark Ltd
sarah@thoughtsparkagency.com

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Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.

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