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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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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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Press Release

Mayfair Southern Expands Institutional Offering Through Strategic Global Banking Partnership

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London, United Kingdom, 4th December 2025, ZEX PR WIRE— Mayfair Southern, an FCA-regulated appointed representative (AR) specialising in structured and fixed-income investments, today announced a new strategic relationship with a leading international banking institution. The collaboration will enhance Mayfair Southern’s ability to deliver regulated bond and fixed-income opportunities to its growing client base of professional and high-net-worth investors.

While the bank’s identity has not been formally disclosed, it is understood to be a London-based institution with a strong international footprint and a long-standing presence across key emerging markets. The partnership is expected to broaden Mayfair Southern’s access to global credit markets, enabling the firm to source high-quality, institutionally originated fixed-income products within a transparent and regulated framework.

“Fixed income has always been a cornerstone of disciplined investing,” said a spokesperson for Mayfair Southern. “Our new partnership strengthens our capacity to offer clients access to regulated bonds and structured products that meet the highest standards of due diligence, governance, and performance potential.”

Delivering Regulated Fixed-Income Solutions

Mayfair Southern’s platform focuses on providing investors with exposure to regulated bond issuances and other fixed-income instruments designed to deliver stability and predictable returns within a risk-managed structure. The firm works exclusively with authorised counterparties and approved product providers to ensure all offerings comply with FCA standards.

This latest collaboration will enable Mayfair Southern to offer a wider range of investment-grade bonds, infrastructure-linked securities, and other interest-bearing instruments sourced through its partner’s extensive international network.

“Institutional-quality fixed-income access is typically reserved for large investors,” the spokesperson added. “Our goal is to make those opportunities available to private and professional clients in a way that is both accessible and fully compliant.”

Strengthening the Firm’s Global Reach

By aligning with a global banking partner, Mayfair Southern aims to extend its distribution and research capabilities, improving its ability to identify yield opportunities across different credit environments. This partnership also enhances the firm’s ability to monitor and manage risk, using institutional-grade analytics and independent oversight to maintain transparency for investors.

Industry commentators have noted that regulated firms offering fixed-income products play a vital role in today’s market, where investors are seeking predictable returns amid macroeconomic uncertainty. The combination of Mayfair Southern’s compliance-led approach and its partner’s international reach positions the firm to serve as a trusted conduit between capital markets and investors seeking stability.

About Mayfair Southern

Mayfair Southern is an FCA-regulated appointed representative providing bespoke investment solutions for professional investors, institutions, and high-net-worth clients. The firm specialises in regulated bonds, fixed-income instruments, and other structured investments designed to deliver transparent, risk-adjusted outcomes.

About Author

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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Press Release

Mayfair Southern Expands Institutional Offering Through Strategic Global Banking Partnership

Published

on

London, United Kingdom, 4th December 2025, ZEX PR WIRE— Mayfair Southern, an FCA-regulated appointed representative (AR) specialising in structured and fixed-income investments, today announced a new strategic relationship with a leading international banking institution. The collaboration will enhance Mayfair Southern’s ability to deliver regulated bond and fixed-income opportunities to its growing client base of professional and high-net-worth investors.

While the bank’s identity has not been formally disclosed, it is understood to be a London-based institution with a strong international footprint and a long-standing presence across key emerging markets. The partnership is expected to broaden Mayfair Southern’s access to global credit markets, enabling the firm to source high-quality, institutionally originated fixed-income products within a transparent and regulated framework.

“Fixed income has always been a cornerstone of disciplined investing,” said a spokesperson for Mayfair Southern. “Our new partnership strengthens our capacity to offer clients access to regulated bonds and structured products that meet the highest standards of due diligence, governance, and performance potential.”

Delivering Regulated Fixed-Income Solutions

Mayfair Southern’s platform focuses on providing investors with exposure to regulated bond issuances and other fixed-income instruments designed to deliver stability and predictable returns within a risk-managed structure. The firm works exclusively with authorised counterparties and approved product providers to ensure all offerings comply with FCA standards.

This latest collaboration will enable Mayfair Southern to offer a wider range of investment-grade bonds, infrastructure-linked securities, and other interest-bearing instruments sourced through its partner’s extensive international network.

“Institutional-quality fixed-income access is typically reserved for large investors,” the spokesperson added. “Our goal is to make those opportunities available to private and professional clients in a way that is both accessible and fully compliant.”

Strengthening the Firm’s Global Reach

By aligning with a global banking partner, Mayfair Southern aims to extend its distribution and research capabilities, improving its ability to identify yield opportunities across different credit environments. This partnership also enhances the firm’s ability to monitor and manage risk, using institutional-grade analytics and independent oversight to maintain transparency for investors.

Industry commentators have noted that regulated firms offering fixed-income products play a vital role in today’s market, where investors are seeking predictable returns amid macroeconomic uncertainty. The combination of Mayfair Southern’s compliance-led approach and its partner’s international reach positions the firm to serve as a trusted conduit between capital markets and investors seeking stability.

About Mayfair Southern

Mayfair Southern is an FCA-regulated appointed representative providing bespoke investment solutions for professional investors, institutions, and high-net-worth clients. The firm specialises in regulated bonds, fixed-income instruments, and other structured investments designed to deliver transparent, risk-adjusted outcomes.

About Author

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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Press Release

How to Remove QuickBooks Multicurrency and Simplify Your Accounting

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Brandon, MB, 4th December 2025, ZEX PR WIRE, Multicurrency functionality is a valuable feature for businesses that deal with international clients, suppliers, or operations. It allows companies to manage transactions, invoices, and payments in multiple currencies, providing flexibility and accuracy in global trade. However, there are scenarios where a business may choose or need to remove multicurrency features from their accounting software, whether due to a change in business strategy, compliance issues, or software limitations.

Removing multicurrency support can have significant implications on how financial data is recorded and reported. Typically, once multicurrency is enabled in an accounting system, it becomes deeply integrated with the way transactions are handled. This includes currency conversions, exchange rate tracking, and foreign currency reporting. As a result, disabling or removing multicurrency support is not always straightforward and often requires careful planning.

One of the primary reasons a business might decide to remove multicurrency functionality is if it has ceased international operations or consolidated its activities to a single currency environment. This decision simplifies accounting processes by eliminating the need to track fluctuating exchange rates and reduces the complexity of tax reporting. However, businesses must ensure that all existing foreign currency transactions are properly reconciled before multicurrency is removed. This often involves settling outstanding balances, converting open transactions into the base currency, and finalizing any exchange gains or losses.

Another consideration is the impact on historical financial data. Some accounting software does not allow multicurrency to be turned off once enabled because it affects the integrity of past records. In such cases, the business may need to create a new company file or accounting database without multicurrency features and migrate their current financial data accordingly. This process can be time-consuming and requires attention to detail to avoid data loss or inconsistencies.

It is also important to consult with accounting professionals before making any changes to multicurrency settings. They can help assess the implications for tax compliance, reporting standards, and audit requirements. Furthermore, they can assist with reconciling foreign currency transactions and ensuring that financial statements remain accurate and compliant with regulatory guidelines.

In conclusion, removing multicurrency features from accounting software is a significant step that requires thorough evaluation and preparation. While it can streamline accounting processes for businesses operating exclusively in one currency, the transition must be managed carefully to preserve data accuracy and maintain compliance. Seeking expert advice and planning the removal process diligently will help businesses navigate this change successfully.

About QuickBooks Repair Pro

QuickBooksRepairpro.com is a leading QuickBooks File Repair and Data Recovery, QuickBooks Conversion, QuickBooks Mac Repair, and QuickBooks SDK programming services provider in North America, serving thousands of business users all over the world. With over 20 years of experience with Intuit QuickBooks, QuickBooksRepairpro.com assists QuickBooks users and small businesses with a variety of services and work with the US, UK, Canadian, Australian (Reckon Accounts), and New Zealand versions of QuickBooks (PC and Mac platforms).

For more information, visit https://quickbooksrepairpro.com/

About Author

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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