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When Pain Points in Cross-Border Payment Brings Payment Changes, How Can Hypercard Lead the Trend

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Throughout the evolving history of global cross-border payment, cross-border payment is rising with the continuous development of the international division of labor and international exchanges. In the early days, people use precious metals for cross-border payment and clearing, then followed by paper money, and today’s modern electronic transfer and clearing. Cross-border payment is developing gradually towards a  rapid, safe and economical trend as the entire international community is engaging in the activities more frequently and science and technology are changing and progressing.

The change of cross-border payment

According to the data, the total amount of global cross-border payment reached $125 trillion in 2018 and is expected to reach $218 trillion in 2022, promising huge profits.

In the existing transfer and remittance system, the transaction is slow and the cost is high with much margin for error; institutions have to coordinate the value transfer between different internal databases, which makes it extremely difficult to settle transactions quickly. This process not only slows down the transaction progress but also requires large working capital, which has a negative impact on the balance sheet of the institution.

As cryptoassets are gradually accepted by traditional finance, digital currency payment is also implementing and applying quickly. The competition around digital currency has just begun across the globe. In 2019, the emergence of Libra has triggered the catfish effect, and legal currency is discussed more enthusiastically all over the world. Countries have taken precautions and speeded up the research on sovereign digital currency. Even the European Central Bank, which did not seem interested before, recently began to discuss the necessity of developing a unified digital currency. According to a report released by the International Monetary Fund in July of the same year, nearly 70% of the world’s central banks are studying sovereign digital currency.

Some fear that Libra may become a strong currency once in circulation. It can be exchanged with the currencies of countries and erodes the fiat currency. If the weak countries make mistakes in regulation, hyperinflation or even de-monetization will likely happen. In the past, a typical example is Zimbabwe who abolished its local currency and was forced to use the US dollar and other currencies.

Traditional payment giants are  fostering digital currency payment

Bitcoin was born to destroy the existing monetary system, which many people think is too expensive and exclusive. Given this, it has a much broader value proposition than a deflationary policy and a hard cap of 21 million coins. The new application of blockchain technology also allows anyone to remit money to counterparties around the world in minutes at a low cost.

This function makes bitcoin directly target the existing payment platforms (such as credit card networks and inter-bank messaging systems). While some companies shrug off these concerns, others see the potential and are looking for ways to create value for partners and shareholders.

According to news on February 20, Visa, an international payment giant, has cooperated with 35 leading digital currency platforms or digital wallets.

These institutions are digital currency platforms licensed by the state or regulated by relevant departments, such as the digital payment platform WireX, the digital currency trading platform Coinbase and Fold, cryptoasset lending platform BlockFi, Austria encryption trading platform Bitpanda, Encrypted debit card platform Crypto.com, etc.

Industry insiders said that the cooperation between Visa and digital currency service providers enables consumers to exchange digital currency more quickly and easily. Users can also deposit this money into their Visa certificates in real-time.

When asked why Visa chose the cryptoasset payment, Visa’s executives clearly expressed their optimism about the payment method in his talks with Forbes: “we saw significant innovation in new financial services for consumers holding digital currency. One example is the growth in demand for digital money lending. We are delighted to work with fintech companies like Cred. The company develops new products in this ecosystem and finds new ways for Visa to improve the entrance of fiat currency associated with these products. “

At present, in addition to Visa, MasterCard, Paypal and other international payment tycoons are also fostering digital currency.

Recently, MasterCard stated that it has cooperated with the Central Bank of The Bahamas to launch the world’s first Bahamas prepaid card. The prepaid card allows people to immediately exchange digital currency into traditional Bahamas dollars and pay for goods and services anywhere MasterCard supports. PayPal also claimed to provide cryptocurrency services to the UK market in the coming months.

Cryptoasset service providers speed up the participation in payment

Not only the traditional payment giants are paying attention to cryptoassets payment, but also the asset service providers in the encryption industry are exploring the possibility of payment. HyperBC, a well-known encrypted asset service provider, has launched a comprehensive consumer card HyperCard. After being deposited with digital currency, the card is available in more than 176 countries and more than 50 million merchants worldwide.

As a global standard credit card, HyperCard supports the binding consumption with third-party payment companies by users

Every payment made by HyperCard is secure and consumer privacy is protected by law. HyperCard can transfer money beyond the geographical limit in a second at a low commission, yet with  24/7 service. It is traceable with clear information of all parties. No matter which city you are in, you can use it at all merchants accepting Visa, Master and UnionPay.

In fact, in addition to payment, the most intuitive appealing of digital currency credit cards is it makes encrypted assets purchasing easy and cash out of cryptoassets. In this context, digital currency payment is still a very new track, and the choice of such products is still limited. The main problems are as follows:

1. Only single-currency payment is supported, such as bitcoin

2. Only available in a small number of areas

3. Users have to buy cryptocurrency issued by the card providers before paying

4. Charge a certain percentage of the annual fee

HyperBC also takes this situation into consideration. It is convenient to apply for HyperCard.  The digital currency, deposited into HyperCard, can be exchanged into fiat currency in real-time, eliminating the tedious process and the trouble of cash payment, and significantly improving the user-friendliness of digital currency. HyperCard does not charge for KYC verification and only charges a very low commission for each deposit.

How to apply for HyperCard?

a Download the HyperPay App(https://www.hyperpay.tech/app_down) and register
b Apply for HyperCard

c Submit KYC documents and pass the certification

d HyperCard received

Conclusion

With the rapid development of digital currency and the increasing global acceptance of digital currency, the boundary between fiat currency and digital currency will become narrower. At the same time, digital currency credit card reduces the threshold for traditional users to access digital currency. The selective digital currency assets also avoid their risk in holding digital currency to a certain extent, Whether for investment, quick cash-out, or regular consumption, HyperCard, as a mature digital currency credit card, can enable cardholders to enjoy more convenient services.

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Sui Processes Over 6 Million Transactions Per Second as AI Agents Drive Public Throughput Experiment

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Grand Cayman, Cayman Islands, July 6th, 2026, FinanceWire

Autonomous AI agents battling across games, payments, and chat pushed Sui’s programmable tunnels to a peak of 6,086,766 TPS

Sui, where money moves as freely as messages, processed the highest number of transactions per second ever performed on its network on Saturday, July 4, 2026. The milestone was hit live during a public experiment open to anyone and witnessed by thousands during a livestream.

Made possible through “programmable tunnels,” which are offchain payment and state channels that settle to Sui mainnet when closed, the experiment invited users to log into an explorer built specifically for the event, using nothing more than an email address. Once connected, participants watched AI agents battle head-to-head across games, payments, and chat, all contributing transaction volume in real time toward a single goal: pushing Sui mainnet past 1 million transactions per second (TPS).

The network exceeded that target several times over. At approximately 12:30 PM ET, Sui mainnet reached a peak of 6,086,766 TPS: more than six times the experiment’s 1 million TPS goal, and roughly 20 times higher than Sui’s previous maximum-TPS benchmark of 297,000 TPS, set in a controlled testing environment.

Diving Into the Details

The demo was led by Chief Cryptographer Kostas Chalkias, co-founder of Mysten Labs and a contributor to Sui, alongside Daniel Lam, a lead engineer on Mysten’s dedicated Sui hacker team. Participants signed in with zkLogin, the Sui primitive that makes it possible for users to log in with an existing account, such as Google, instead of a traditional crypto wallet, and received a test token, MTPS, to use in the experiment. As gas was sponsored throughout, users needed no prior SUI holdings to take part.

From there, users and AI agents opened programmable, Lightning Network-style offchain channels, or “tunnels,” with one another to play games such as blackjack and “Quantum Poker,” draw together on a shared canvas, chat, and transact, all gaslessly and offchain, with activity settling back to Sui mainnet when each channel closed. Every closed channel was mutually cosigned and independently verifiable onchain, allowing the experiment to combine high throughput with cryptographic proof that no transaction was tampered with.

“We proved that programmable tunnels aren’t just about payments,” said Kostas Chalkias, Chief Cryptographer and Co-Founder at Mysten Labs. “This is agent-to-agent commerce, competitive gaming, and prediction markets running gaslessly at massive scale. A company’s trading agent could play chess or poker against another company’s agent millions of times without touching the base chain. Consider real-world utility: you could lock funds offchain so someone without internet access, in an earthquake or a blackout, can still pay for groceries the moment they’re near a signal again. Right now there are only four or five proven product-market fits in crypto: stablecoins, DeFi, payments, prediction markets. I think programmable tunnels just opened the door to a fifth.”

What’s Next

Mysten Labs and the Sui hacker team plan to build on the experiment with additional capabilities, including confidential transfers via Nautilus, tunnels supporting more than two participants, and agent-to-agent prediction markets. 

About Sui

Sui, where money moves as freely as messages, is a next-generation Layer 1 blockchain built for scalable finance and global payments. Founded by the core team behind Meta’s stablecoin initiative and powered by an object-centric model, Sui makes assets, permissions, and user data programmable and ownable. Sui’s primitives offer builders everything they need to create high-performance payments and financial applications, including instant agentic payments. Users can learn more at sui.io.

Contact

Sui Foundation
media@sui.io

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Harmony Labs makes a strategic investment in Harmony Link; a dual-token system opens up a new avenue for monetizing Web2 short-video traffic

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Harmony Labs, a leading global blockchain investment and research institution, has officially announced a full strategic investment in Harmony Link, a Web3 short-video aggregation platform. Leveraging Harmony’s underlying sharding technology and resources from 412 ecosystem projects, the two parties will jointly build an inclusive Web3 gateway serving a billion-scale short-video user base. They aim to create a long-term dual-token economic model—featuring HK as the core value carrier and HAK as the medium of circulation within the ecosystem—with plans for HK to debut on the Binance Alpha board, thereby establishing a closed-loop system for sustainable value growth.

Founded in 2018 and headquartered in Singapore’s financial hub, Harmony Labs focuses on specialized investments and in-depth industry research regarding blockchain infrastructure and ecosystem applications. Its core underlying asset, Harmony (ONE), utilizes random state sharding technology to achieve low-gas, high-throughput cross-chain interactions. The firm has incubated 412 ecosystem projects across DeFi, NFT, and GameFi sectors, amassed a network of 300,000 global developers, maintained long-term deep partnerships with top-tier investors like Binance Labs, and established robust systems for global compliance and capital operations.

The industry currently faces clear pain points: Web3 users account for less than 6% of the global population, and customer acquisition costs in the blockchain sector reach as high as $42 per person. Furthermore, traditional text-based educational content presents high barriers to entry, third-party operational tools are prone to bans, and the space is rife with pyramid schemes. Meanwhile, the attention of the billion-strong Web2 short-video user base is consumed without compensation, and there is a lack of practical tools for distributing the value generated by traffic. As a key inclusive project for Harmony Labs through 2026, Harmony Link centers on “TikTok-style” short-video behavior mining. It integrates five key tools—on-chain price chart visualization, decentralized live streaming, AI digital avatar promotion, project advertising, and community management—to comprehensively address eight major bottlenecks hindering industry development.

This strategic investment will fully unleash Harmony Labs’ multi-dimensional resources to empower the platform: leveraging Harmony’s sharding technology to reduce development costs by 87% and utilizing the 300,000-developer network to rapidly iterate on smart contract audits and anti-fraud firewall modules. Additionally, the partnership will facilitate the onboarding of the existing 412 ecosystem projects and capitalize on the market’s established perception of Harmony as an “ultra-low gas public chain” to significantly lower user education costs. The funds will be primarily allocated to four key areas: product iteration, global community expansion, the establishment of an HK price-support reserve pool, and preparations for the HK listing on Binance Alpha.

The Head of Investment at Harmony Labs stated: “The primary bottleneck for the large-scale adoption of Web3 is the high barrier to entry for users; short-form video serves as the optimal vehicle to connect the general public with blockchain technology. Harmony Link’s innovative dual-token model offers immense long-term value: HAK dynamically adjusts user activation ratios in phases to smooth out market selling pressure, while core cash flows from AI leasing and advertising continuously inject USDT into the HK price-support pool. With essential, paid use cases across the platform and a future listing on Binance Alpha, a virtuous cycle of traffic, revenue, and token value will emerge, truly enabling the distribution of ‘attention value’ to the general public.”

The Harmony Link Project Lead added: “Leveraging Harmony Labs’ backing in capital, technology, and ecosystem, the platform will adjust the HAK/USDT ratio for account activation across five stages. Upon reaching the 50% HAK / 50% USDT phase, ‘Computing Power NFTs’ will be launched to generate the core token, HK. With a total supply of 100 million HK, 60% is generated via Computing Power NFTs, and 20% is allocated to a dedicated price-support fund. All B2B paid services across the platform will eventually settle in HK, and the project will leverage Binance Alpha’s global traffic to amplify long-term value.”

Both parties simultaneously announced a comprehensive roadmap: in the short term, they will launch short-video mining and basic live-streaming functions while steadily transitioning to a hybrid activation model; in the medium term, they will enable HK generation via Computing Power NFTs and continuously bolster HK liquidity reserves; in the long term, they will drive HK’s listing on Binance Alpha, implement a full-chain HK payment ecosystem, incubate high-quality Web3 projects, and establish a DAO-based decentralized governance system.

Moving forward, Harmony Labs will continue to provide global compliance research, capital connections, and brand/channel resources. This support aims to help Harmony Link break down the barriers between Web2 and Web3, create a benchmark Web3 traffic platform accessible to everyone, and drive the mass adoption and inclusive growth of blockchain technology.

About Harmony Labs
Founded in Singapore in 2018, Harmony Labs is a global blockchain investment and research institution specializing in blockchain-focused investments and in-depth industry research. Building a complete ecosystem upon the underlying public blockchain Harmony (ONE), the firm focuses on the practical application of cutting-edge technologies such as sharding, cross-chain interoperability, and Zero-Knowledge (ZK) proofs. With a global footprint spanning North America, Europe, and Southeast Asia, Harmony Labs is dedicated to bridging traditional capital with the Web3 industry and fostering inclusive blockchain development.

About Harmony Link
Harmony Link is a Web3 short-video aggregation platform incubated by Harmony Labs. It features an innovative “Proof-of-Action” mining mechanism and a dual-token economy, integrating data visualization, decentralized live streaming, AI digital avatars, project advertising, and community management. With HK serving as its long-term core value token, the platform plans to launch on the Binance Alpha sector, aiming to reshape the Web3 traffic monetization ecosystem.

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AI STUDIOS Launches AI Roleplay for Insurance Agent Training

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  • The new AI-powered training tool lets insurance agents and sales reps rehearse real customer conversations — policy renewals, cancellation requests, claims follow-ups — with instant, automated coaching feedback after every session.

PALO ALTO, Calif, July 6th 2026, AI STUDIOS, operated by DeepBrain AI, launched AI Roleplay, a new conversation-training solution designed to help insurance agents and sales representatives rehearse difficult customer conversations before they happen in the field. The tool gives agents unlimited practice sessions with an AI customer that responds in real time, followed by automated, personalized coaching feedback.

AI Roleplay simulates the conversations sales representatives say are hardest to get right: auto insurance renewal calls, customers threatening to cancel a policy, claims follow-up calls, and routine check-ins tied to a policyholder’s birth month. Rather than reciting scripted responses, the AI customer reacts dynamically to whatever the representative actually says — raising objections, asking for more detail, or pushing back, much as a real customer would.

Sales coaching has traditionally relied on in-person practice with a trainer or manager, a model that limits how often sales representatives can rehearse and how quickly they get feedback. AI Roleplay removes both constraints. Representatives can run a practice session at any time, without scheduling a coach, and receive a speaking score along with specific strengths, areas for improvement, and suggested phrasing immediately after each session ends.

Practice scenarios are organized by situation, customer type, and difficulty level, from beginner to advanced. Sales representatives converse with the AI customer via text or voice, and voice sessions include a speech-analysis score that flags pacing, clarity, and tone — a level of feedback unavailable through prerecorded training videos or static e-learning modules.

AI Roleplay also includes a manager dashboard that tracks completion rates, scores, and activity for each team member in real time. Sales managers can use the dashboard to identify representatives who need additional coaching without listening to call recordings individually or scheduling separate feedback sessions, according to DeepBrain AI.

DeepBrain AI said the tool is intended to shorten the ramp-up period for new sales representatives and reduce customer complaints tied to inaccurate explanations or weak call handling — a persistent risk in insurance sales, where regulatory and compliance expectations are high. Beyond insurance, the company said AI Roleplay applies to any role where conversation quality directly affects business outcomes, including corporate sales representatives, financial advisors, call center staff, and healthcare front-line workers.

“In insurance sales, a single sentence can determine whether a deal closes or a customer loses trust,” said Eric Jang, CEO of DeepBrain AI. “AI Roleplay goes beyond watching a video or sitting through a course — sales representatives train by actually talking with an AI customer, which is what sets it apart from traditional online training.”

AI Roleplay is currently deployed with multiple insurance carriers in South Korea, and DeepBrain AI said it plans to expand the tool to additional industries and practice scenarios going forward.


About DeepBrain AI

DeepBrain AI is a global leader in AI Avatar, AI Agent, and AI Human technology. Its flagship B2B SaaS platform, AI STUDIOS, helps enterprises create hyper-realistic AI avatars, real-time avatar agents, and localized video content at scale. Based in Palo Alto, Calif., DeepBrain AI serves enterprise customers worldwide.

Media Contact:
DeepBrain AI Communications 
global@deepbrain.io
www.aistudios.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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