Connect with us

Press Release

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

Published

5 years ago

on

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.

About Author

Alex Jacob

Alex Jacob is a literature author. He was born in Chicago. Alex passion is writing news articles. He writes number of articles and published it.

See author's posts

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.

Related Topics:
Continue Reading

Press Release

How ProfitPilot AI Is Transforming Intelligent Investing The Vision of Global Capital Partners Investments LLC

Published

14 hours ago

on

July 18, 2026

By

United States, 18th Jul 2026 – The financial industry is entering a new era driven by artificial intelligence, big data, and advanced analytics. Investors today face an overwhelming amount of market information, making it increasingly difficult to identify opportunities, manage risks, and make timely decisions. To address these challenges, Global Capital Partners Investments LLC (GCPI) is embracing innovation through ProfitPilot AI, an intelligent investment platform designed to help investors navigate modern financial markets with greater confidence and efficiency.

Under the guidance of financial market educator Howard Martin Smith, ProfitPilot AI represents a forward-looking approach to investment analysis, combining technology-driven insights with practical market understanding.

The Rise of AI in Financial Markets

Artificial intelligence has rapidly become one of the most influential technologies in the global financial sector. From institutional asset managers to individual investors, market participants are increasingly relying on AI-powered tools to analyze data, identify trends, and improve decision-making processes.

Unlike traditional analysis methods that often require significant time and manual effort, AI systems can process vast amounts of information in seconds. This capability allows investors to respond more effectively to changing market conditions and emerging opportunities.

As financial markets become more interconnected and data-driven, the demand for intelligent investment solutions continues to grow. ProfitPilot AI was developed to meet this demand by providing users with advanced analytical capabilities designed for today’s fast-paced investment environment.

What Is ProfitPilot AI?

ProfitPilot AI is an intelligent investment analysis platform developed to help investors better understand market dynamics and make more informed decisions.

The platform leverages advanced data-processing technologies to analyze market information from multiple sources. By evaluating trends, monitoring market movements, and identifying potential patterns, ProfitPilot AI aims to provide investors with valuable insights that support their investment strategies.

Key areas of focus include:

  • Market trend analysis
  • Risk management support
  • Investment opportunity identification
  • Portfolio monitoring
  • Real-time data interpretation
  • Strategic decision support

Through these capabilities, ProfitPilot AI seeks to simplify complex financial information and transform it into actionable intelligence.

Global Capital Partners Investments LLC’s Commitment to Innovation

Global Capital Partners Investments LLC believes that technology will continue to play a central role in the future of investing. The company is committed to exploring innovative solutions that improve investment accessibility and empower investors with better analytical tools.

As the financial landscape evolves, investors increasingly require platforms capable of delivering timely insights and supporting data-driven decision-making. GCPI’s investment philosophy centers on combining technological advancement with practical financial knowledge, helping investors adapt to changing market environments.

By developing solutions such as ProfitPilot AI, GCPI aims to contribute to the ongoing digital transformation of the investment industry.

Howard Martin Smith on the Future of Intelligent Investing

According to Howard Martin Smith, successful investing in the modern era requires both technological capability and human judgment.

While artificial intelligence can efficiently process information and identify patterns, long-term investment success still depends on strategic thinking, risk awareness, and disciplined decision-making. Rather than replacing investors, AI should function as a powerful support system that enhances analytical capabilities.

This philosophy forms the foundation of ProfitPilot AI. The platform is designed to assist investors by providing objective market analysis while allowing users to retain control over their investment decisions.

Howard Martin Smith has consistently emphasized the importance of investor education, believing that technology is most effective when combined with financial literacy and informed decision-making.

Why AI-Powered Investment Platforms Matter

Financial markets operate continuously, generating enormous amounts of information every day. Economic indicators, corporate earnings reports, geopolitical developments, and market sentiment can all influence asset prices.

For many investors, monitoring and interpreting this information can be challenging. AI-powered platforms help address this issue by automating data analysis and highlighting relevant market developments.

Benefits of intelligent investment platforms include:

  • Faster analysis of market information
  • Improved identification of trends and patterns
  • Enhanced risk monitoring
  • Greater efficiency in research processes
  • Better support for informed decision-making

As technology continues to advance, these capabilities are expected to become increasingly important for investors seeking to remain competitive in global financial markets.

The Future of AI and Investment Technology

The integration of artificial intelligence into investment management is still in its early stages. However, industry experts widely agree that AI will play a growing role in how investors analyze markets, manage portfolios, and evaluate opportunities.

Technologies such as machine learning, predictive analytics, and automated data processing are expected to reshape many aspects of financial decision-making over the coming years.

Global Capital Partners Investments LLC views this transformation as an opportunity to develop innovative tools that help investors adapt to an increasingly digital financial landscape. ProfitPilot AI reflects this commitment by providing a technology-driven approach to market analysis and investment support.

Conclusion

As financial markets become more complex and information-rich, investors require smarter tools to support effective decision-making. ProfitPilot AI, developed by Global Capital Partners Investments LLC and guided by Howard Martin Smith, represents an innovative step toward the future of intelligent investing.

By combining advanced analytics, AI-powered market insights, and a commitment to investor education, ProfitPilot AI aims to help investors better understand market conditions, identify opportunities, and manage risks in an ever-changing financial environment.

With the continued evolution of artificial intelligence and financial technology, platforms like ProfitPilot AI are expected to play an increasingly important role in shaping the next generation of investment strategies and market participation.

Media Contact

Organization: Global Capital Partners Investments LLC

Contact Person: Howard

Website: https://gcpinvestments.it.com/

Email: Send Email

Country:United States

Release id:47284

The post How ProfitPilot AI Is Transforming Intelligent Investing The Vision of Global Capital Partners Investments LLC appeared first on King Newswire. This content is provided by a third-party source.. King Newswire makes no warranties or representations in connection with it. King Newswire is a press release distribution agency and does not endorse or verify the claims made in this release. If you have any complaints or copyright concerns related to this article, please contact the company listed in the ‘Media Contact’ section

file

About Author

Cloud PR Wire

See author's posts

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.

Continue Reading

Press Release

Where GCC’s Most Consequential Business Decisions Get Made

Published

16 hours ago

on

July 18, 2026

By

  • AJMS Group and Marmin AI launch the CXO Boardroom Series in Dubai, a curated executive forum on AI, digital finance, and enterprise transformation, managed by Trescon and opening 22 July 2026

Dubai, U.A.E, Jul 18, 2026, ZEX PR WIRE — AJMS Group, one of the region’s most established business advisory groups, and Marmin AI, its AI-powered compliance and finance technology entity and the first fully approved e-invoicing Accredited Service Provider (ASP) in the UAE, operating with 100% local data residency, have announced the launch of the CXO Boardroom Series, a curated invitation-only programme for senior executives across the UAE and GCC. Managed end-to-end by Trescon, a leading global business events company, the series inaugurates with a physical edition in Dubai on 22 July 2026, convening CFOs, CTOs, Finance Directors, and digital transformation leaders in a setting built for genuine executive exchange.

Marmin AI arrives at the series from a position few compliance technology providers in the region can claim. It is the first fully approved e-invoicing Accredited Service Provider (ASP) in the UAE and a certified PEPPOL Access Point, operating across six jurisdictions — the UAE, Saudi Arabia, Malaysia, India, Singapore and Belgium — with 100% local data residency, all invoice data processed and hosted inside the country.

The launch of the CXO Boardroom Series follows AJMS Group’s recent announcement of a USD 20 million strategic investment in the UAE to accelerate the growth of Marmin AI, its AI-driven e-invoicing, compliance and financial intelligence platform. The investment reinforces the UAE’s role as the strategic hub for Marmin AI’s technology development, regulatory integration, and enterprise implementation, supporting AI-powered compliance and financial intelligence, UAE-centric enterprise e-invoicing infrastructure, open finance and SME enablement, and UAE-hosted secure cloud infrastructure. AJMS Group’s recognition under the UAE Ministry of Economy’s Future 100 programme further underlines the position both entities occupy in the country’s digital economy agenda.

That national orientation extends to Marmin AI’s work with the Federal Tax Authority. Marmin AI has partnered with the FTA under the Muwafaq and Mo’athar initiatives to deliver a customised e-invoicing package for small and medium enterprises, to be offered to more than 200,000+ SMEs across the UAE — the segment for which the transition to mandatory e-invoicing carries the greatest operational and cost burden, and for which readiness support matters most.

The platform is also built to carry a transaction beyond the invoice itself. Marmin AI is integrated with Dun & Bradstreet, giving clients counterparty diligence and verification at the point of onboarding, and payment rails are embedded directly into the platform, making e-payment options available to clients alongside the invoices they issue. Together with VAT reconciliation, bank reconciliation, and automated AML and UBO sanctions screening, this closes the loop the company describes as “compliance-to-cash” — from the moment an invoice is validated to the moment it is paid.

What separates the CXO Boardroom from conventional conference formats is deliberate restraint. Sessions are capped at 25 qualified executives, chosen through a BANT-based qualification process that ensures every seat in the room belongs to someone with both the authority and the mandate to act on what is discussed. There are no keynote crowds, no panel audiences. What exists instead is the kind of frank, peer-level conversation that most executives rarely get access to inside or outside their own organisations.

The agenda spans five pillars that reflect where GCC enterprises are navigating real complexity: UAE e-invoicing and tax digitisation, AI-driven finance transformation, cybersecurity and data governance, ERP and enterprise technology strategy, and RegTech. For the July edition, Marmin AI brings particular depth on the UAE’s mandatory e-invoicing rollout. As the first fully approved Accredited Service Provider (ASP) in the UAE and a certified PEPPOL Access Point, Marmin AI gives attendees direct access to the advisory intelligence they need to prepare, not just observe — at a point in the calendar where preparation time is finite: businesses in scope are expected to appoint an accredited service provider by 30 October 2026, ahead of the first mandatory phase of the UAE e-invoicing regime on 1 January 2027. Across 2026, the series will run four editions tailored to distinct executive audiences, covering DIFC and ADGM regulated institutions, UAE mainland corporates, a virtual GCC-wide boardroom, and a broader AI-focused edition developed in partnership with key ecosystem bodies.

“Real transformation does not happen in auditoriums. It happens when the right people sit in the same room, speak plainly about what is actually working and what is not, and leave with something they can use. The UAE is at a genuine inflection point across AI adoption, regulatory change, and digital finance. The CXO Boardroom was designed to meet that moment at the executive level, with the quality of insight and the intimacy of conversation that a larger format simply cannot deliver.”

Komal Jajoo, Co-Founder and Managing Director, AJMS Group

The boardroom format also serves a practical purpose that goes beyond dialogue. Participating organisations gain exposure to Marmin AI’s intelligent compliance platform — accredited e-invoicing and PEPPOL exchange, Dun & Bradstreet-backed counterparty diligence, VAT and bank reconciliation, automated AML and UBO sanctions screening, and embedded payment rails — without the friction of a sales engagement. The insight flows in both directions, and that reciprocity is built into the design of every session.

Attendance is by qualification and invitation only. Senior executives across banking, financial services, insurance, real estate, technology, and the public sector are encouraged to register their interest for the July 2026 Dubai edition at AJMS CXO Boardroom.

About AJMS Group

AJMS Group is a multi-disciplinary business consulting group with headquarters in Dubai and a presence across 14+ countries, including the UAE, Saudi Arabia, Bahrain, Kuwait, Oman, Qatar, India, and the UK. The group operates through a portfolio of specialist entities spanning Governance, Risk & Compliance, Tax Advisory, Management Consulting, Digital Transformation, InsurTech, RegTech, and FinTech. AJMS Global, the group’s flagship consulting entity, is led by Dr. Abhishek Jajoo and recognised as a UAE Superbrand, with the group also recognised under the UAE Ministry of Economy’s Future 100 programme. The group has announced a USD 20 million strategic investment in the UAE to accelerate the growth of Marmin AI, its AI-driven e-invoicing, compliance and financial intelligence platform. Group companies include AJMS Global, Marmin AI, AInsurtech, AJMS LG, Remitex Technologies, InfiniTech, DPMS Global, Hayford Integrated Training Institute, Fanar Advisor, Noor Shariah Solution, 1Life Healthcare and Zamara Mena.

About Marmin AI

Marmin AI (Marmin AI Software Design L.L.C., Business Bay, Dubai) is the intelligent finance and compliance technology entity of AJMS Group. It is the first fully approved e-invoicing Accredited Service Provider (ASP) in the UAE — operating with 100% local data residency, with all invoice data processed and hosted inside the country — and a certified PEPPOL Access Point, operating across six jurisdictions: the UAE, Saudi Arabia, Malaysia, India, Singapore and Belgium. Marmin AI is a partner to the Federal Tax Authority under the Muwafaq and Mo’athar initiatives, through which it is delivering a customised e-invoicing package to more than 2,000 SMEs in the UAE. Backed by a USD 20 million strategic investment from AJMS Group, Marmin AI delivers a single “compliance-to-cash” platform spanning accredited e-invoicing and PEPPOL exchange, counterparty diligence through an integration with Dun & Bradstreet, VAT reconciliation, bank reconciliation, automated AML and UBO sanctions screening, and embedded payment rails that make e-payment options available to clients directly on the platform. The platform additionally generates a projected, indicative ICV score from live invoice data, and — where a business separately and expressly opts in through a consent-based, business-initiated data layer governed independently of the ASP function — an invoice credit score. Marmin AI supports enterprises preparing for the UAE e-invoicing mandate as well as ZATCA Fatoorah in Saudi Arabia, MyInvois in Malaysia, and Fawtara in Oman.

About Trescon

Trescon is a global business events company specialising in large-scale technology and fintech conferences, bespoke boardrooms, and executive engagement programmes. Trescon manages a portfolio of marquee events across the Middle East, Asia, and beyond, including Dubai FinTech Summit, Dubai Family Wealth Summit and the Future Sustainability Forum. The CXO Boardroom Series for AJMS Group and Marmin AI is managed end-to-end by Trescon.

Media Contact

Shadi Dawi

Global Director, PR & Media | Trescon Global

 

About Author

Cloud PR Wire

See author's posts

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.

Continue Reading

Press Release

Joe Shields Brings Software Design Thinking to Hospitality Through States of Leisure’s Experience-First Approach

Published

17 hours ago

on

July 18, 2026

By

San Francisco, California, Jul 18, 2026, ZEX PR WIRE — Hospitality is becoming as much about thoughtful systems as beautiful spaces. That shift is shaping how brands design every stage of the guest experience, from booking to checkout. For Joe Shields IV, founder of States of Leisure, the answer lies in an unlikely place, and that’s software design. Rather than approaching hospitality as a collection of attractive properties, Shields has built States of Leisure around the same principles that guide modern product development. Every guest interaction, from discovering a property online to checking out, is treated as part of one connected system designed to reduce friction and create clarity.

The philosophy reflects Shields’ professional background as a software designer and developer, where rapid prototyping, user feedback, and iterative improvement shape successful digital products. Those same methods now influence how States of Leisure develops its hospitality experiences. “People often think software and hospitality have very little in common,” said Shields. “In reality, both are about creating experiences that feel intuitive. Whether someone is navigating an app or arriving at a vacation home, they should never have to wonder what comes next. Good design removes uncertainty.”

Founded on the belief that hospitality extends far beyond interior design, States of Leisure integrates operational systems, communication, branding, and physical environments into a unified guest journey. Every detail is considered part of a larger experience architecture rather than an isolated feature. This systems-driven approach reflects a broader recognition that guest satisfaction depends as much on clear communication and well-designed operations as it does on attractive interiors.

Unlike traditional hospitality models that often separate marketing, operations, and guest services into independent functions, States of Leisure treats them as interconnected components. The company designs booking flows, messaging, and in-stay experiences to complement the physical environment, ensuring guests encounter consistency throughout every stage of their visit.

For Shields, this philosophy stems from years spent designing software products where usability determines success. His development process typically begins with simple prototypes that are tested early, allowing ideas to evolve through practical feedback instead of lengthy theoretical planning. The same mindset guides States of Leisure as it refines everything from guest communication to operational workflows.

The foundation for this perspective dates back to Shields’ art school education, where design was taught not as decoration but as structured problem-solving. That training continues to influence both his software career and his work in hospitality. Instead of asking how a space should look, Shields begins by asking how people will move through it, interact with it, and remember it.

That emphasis on intentional design has become a defining characteristic of States of Leisure. Each property is developed as part of a larger operating system, allowing the brand to maintain consistency while giving individual locations their own identity. The result is an approach that values precision over excess. Rather than overwhelming guests with unnecessary features, the company focuses on removing friction and creating environments that feel calm, organized, and easy to navigate.

Shields believes this type of structured thinking will continue to influence the future of hospitality as guest expectations evolve. “As technology becomes a bigger part of everyday life, people expect experiences to work effortlessly,” Shields said. “Hospitality shouldn’t be different. Behind every relaxing stay should be thoughtful systems that guests never have to think about.”

While Shields continues his full-time work in software design and development, States of Leisure serves as an extension of the same principles he applies to digital products: clarity, consistency, and continuous refinement. For the company, the goal is not simply to offer places to stay. It demonstrates how thoughtful systems and intentional design can transform hospitality into an experience that feels cohesive from beginning to end.

About Joe Shields IV

Joe Shields IV is a software designer and developer whose work spans product design, prototyping, and full-cycle software development. He is the founder of States of Leisure, where he applies software design principles to hospitality, creating guest experiences that combine intentional design with operational precision.

About States of Leisure

States of Leisure is a hospitality and real estate brand that designs short- and mid-term stays by integrating design, operations, and systems thinking. By treating every guest interaction as part of a connected experience, the company creates hospitality environments that prioritize clarity, consistency, and ease. To learn more, visit: https://statesofleisure.com/ 

About Author

Cloud PR Wire

See author's posts

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.

Continue Reading

LATEST POST

Like Us
Follow Us
Subscribe Us
Follow Us