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

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5 years ago

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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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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.

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Press Release

Scottsdale Serenity Rehab Opens Boutique Residential Treatment Facility Offering Personalized Addiction Care in Central Scottsdale

Published

27 minutes ago

on

February 4, 2026

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United States, 4th Feb 2026 — A new option for residential addiction care has arrived in central Scottsdale. Scottsdale Serenity Rehab, owned by Mary Wicks, is a five-bed facility designed for adults seeking support for substance use and related mental health concerns in a private, small-community setting. The program began accepting clients in December 2025.

Created for individuals and families who prefer a more personal environment than large-scale treatment centers, Scottsdale Serenity Rehab operates with a limited census intended to support individualized planning, consistent structure, and closer day-to-day support. The facility serves Scottsdale and the broader metro area, including Phoenix and Mesa.

“Too often, people seeking help feel overwhelmed by the process or intimidated by large facilities,” Wicks said. “We wanted to build something that feels calm and respectful—where care is focused, private, and responsive to each person’s situation.”

Scottsdale Serenity Rehab emphasizes a residential model that combines a home-like setting with structured routines and coordinated care planning. The program operates as a licensed residential treatment setting in Arizona. The organization also notes that it is certified by LegitScript, a credential often referenced by healthcare and digital platforms as part of compliance and transparency efforts for treatment providers.

Clinical services include weekly one-on-one counseling on site with a licensed clinician, approximately five hours of group programming per day, and weekly medical evaluations. The facility also provides on-site nursing coverage, and leadership says care plans are individualized to support each client’s clinical needs and recovery goals. In addition to in-house services, the program emphasizes continuity of care by coordinating next-step planning for clients as they transition from residential support, including outpatient referrals and community recovery resources. Family communication and guidance are also prioritized so loved ones understand expectations and can support a more stable return to everyday life.

Healthcare advocates across the Valley have increasingly pointed to the need for a wider range of treatment settings, including smaller residential environments that can reduce stimulation and provide more individualized attention. Programs with a limited number of beds may be especially helpful for individuals who value discretion and a quieter setting, or who find larger treatment campuses difficult to navigate early in recovery.

Scottsdale Serenity Rehab is currently accepting inquiries from individuals, families, and referral partners seeking information about admissions and services.

For more information, visit Scottsdaleserenityrehab.com or call 480-906-2067.

Media Contact:
Scottsdale Serenity Rehab
Phone: 480-906-2067
Website: Scottsdaleserenityrehab.com 
Email: info@scottsdaleserenityrehab.com

Media Contact

Organization: Scottsdale Serenity Rehab

Contact Person: Mary Wicks

Website: https://scottsdaleserenityrehab.com/

Email: Send Email

Country:United States

Release id:41013

The post Scottsdale Serenity Rehab Opens Boutique Residential Treatment Facility Offering Personalized Addiction Care in Central Scottsdale 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

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Press Release

CTK Expands Its North American Footprint with Expansion and Relocation of Los Angeles Fulfillment Center

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27 minutes ago

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February 4, 2026

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California, United States, 4th Feb 2026 – CTK, a global beauty platform company is accelerating its push into the North American market with the expansion and relocation of its Los Angeles (LA) fulfillment center. As an example, CTK has completed a one-stop, end-to-end system, covering local manufacturing, logistics, and distribution, by integrating operations with its OTC-dedicated manufacturing facility, CTK OTC Laboratories (COL). In response, the global beauty industry has noted that CTK’s international business is entering a more stable and mature growth phase.

 

According to CTK, the newly relocated LA fulfillment center spans approximately 250,369 square feet, representing a 1.9 times expansion compared to the previous facility. This expansion significantly strengthens integration with major US e-commerce and brick-and-mortar retail channels, including Amazon FBA, TikTok Shop, Walmart, and Target. As a result, CTK now enables faster order fulfillment and more reliable inventory management, further reinforcing its operational competitiveness in the US market.

CTK’s Los Angeles fulfillment center provides more than inventory storage, providing channel-specific value-added services such as labeling, kitting, and bundling tailored to U.S. distribution requirements. Supported by advanced OMS (Order Management System) and WMS (Warehouse Management System) capabilities, the center also enhances inventory and returns management, allowing brand partners to focus on the U.S. market without the burden of local operations. This level of operational efficiency has become a core competitive advantage, earning strong trust from leading global partners.

Another key pillar supporting CTK’s global business stability is its integration with CTK OTC Laboratories (COL), an OTC-dedicated manufacturing facility. Products manufactured at COL can be immediately transferred to the fulfillment center for inbound processing and shipment, significantly shortening logistics lead times. US-based production also ensures sufficient shelf life, further strengthening distribution efficiency.

For highly regulated OTC products, CTK directly oversees the entire process from manufacturing to packaging and outbound shipment, enabling the company to achieve both rigorous quality control and regulatory compliance simultaneously.

Another notable point is that CTK’s business expansion continues to progress smoothly despite recent changes in the US customs and tariff environment. With the elimination of the de minimis exemption for direct-to-consumer imports under USD 800 and the imposition of tariffs on Korean-made cosmetics, the importance of local manufacturing and bulk import followed by domestic distribution strategies has grown significantly. Against this backdrop, CTK, which already operates localized manufacturing and logistics infrastructure, is increasingly being recognized as a viable alternative for Korean brands entering the US market. In fact, inquiries from brands seeking to address both tariff burdens and lead-time reductions have continued to rise, driving steady growth in fulfillment center utilization.

A CTK representative stated, “In an environment where local production and logistics operations are becoming essential for success in the US market, this expansion linking our OTC manufacturing facility with our fulfillment center marks a critical turning point for the stable expansion of our global business.” The representative added, “We will continue to support K-beauty brands in establishing a foothold in the US market with more rational cost structures and a predictable operating environment.”

Changwook Oh, CEO of CTK USA Inc., said, “The expansion and relocation of the fulfillment center represent a strategic upgrade of our business structure in response to evolving global regulations and distribution environments.” He added, “Building on a value chain that spans OTC manufacturing, K-ODM, and fulfillment, we will continue to strengthen our global partnerships.”

For more details contact CTK Co., Ltd. Corporate Strategy Team:

Hyuh Ahn, Head of Division: harryan@ctkclip.com

Kyuri Kim, Manager: kyurikim@ctkclip.com

Websites: 

https://www.ctkcosmetics.com

https://www.ctkotc.com/

Address :

CTK : 234, Hyoryeong-ro, Seocho-gu, Seoul, Republic of Korea.

CTK OTC LABORATORIES: 1690 N Delilah St, Corona, California 92879, USA.

 

Media Contact

Organization: CTK Co., Ltd.

Contact Person: Kyuri Kim (Group Strategy Team)

Website: https://www.ctkcosmetics.com

Email: Send Email

State: California

Country:United States

Release id:41004

The post CTK Expands Its North American Footprint with Expansion and Relocation of Los Angeles Fulfillment Center 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

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Press Release

CN Best VPN Officially Launches Independent VPN Review Platform for Mainland China Users

Published

3 hours ago

on

February 4, 2026

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China, 4th Feb 2026 – CN Best VPN today announced the official launch of its independent VPN review website, a new online platform dedicated to delivering honest, thoroughly tested, and practical VPN (Virtual Private Network) reviews specifically for users in mainland China. The platform is designed to become a trusted resource for bypassing the Great Firewall and accessing the global internet securely and reliably.

As internet censorship and digital access restrictions continue to evolve across mainland China, CN Best VPN addresses a growing need for accurate and up-to-date VPN information. The platform focuses exclusively on VPN services that function effectively under China’s restrictive network conditions, helping users avoid unreliable or outdated recommendations commonly found on generic review websites.

One of the platform’s key resources is its comprehensive guide, “VPN for China” , which evaluates VPN providers based on real-world performance inside China. Each service is tested for connection stability, speed, encryption strength, server availability, and its ability to bypass advanced censorship technologies such as deep packet inspection (DPI).

“Finding a VPN that actually works in mainland China can be extremely frustrating,” said Rayan, Contact Person at CN Best VPN. “Our goal is to remove that uncertainty by offering independent reviews based on hands-on testing, not marketing claims.”

In addition to detailed VPN reviews, CN Best VPN provides step-by-step setup guides for major platforms, including Windows, macOS, Android, iOS, and routers. These tutorials are designed to help users install and configure VPN software correctly, even when official app stores or VPN websites are blocked.

The website also features practical guides on accessing blocked websites and services such as Google, YouTube, WhatsApp, Instagram, X (formerly Twitter), Netflix, and international news outlets. By focusing on usability and clarity, CN Best VPN supports individuals who rely on open internet access for communication, education, entertainment, and professional work.

While much of the content is currently published in English, CN Best VPN is actively expanding translated materials to better serve Chinese-speaking users. Key guides and essential information are being localized to ensure broader accessibility for both domestic users and international audiences seeking China-specific VPN solutions.

CN Best VPN maintains full editorial independence and does not accept paid rankings or sponsored placements that compromise review integrity. All recommendations are based on transparent testing methodologies and ongoing performance evaluations as censorship measures and VPN technologies change.

With the launch of https://cnbestvpn.com/, CN Best VPN aims to become one of the most reliable and practical resources for VPN usage in mainland China.

About CN Best VPN

CN Best VPN is an independent VPN review and information platform focused exclusively on helping users in mainland China access the open internet safely and reliably. The website provides hands-on VPN testing, detailed setup guides, and practical advice for bypassing the Great Firewall while maintaining online privacy and security. By prioritizing transparency, real-world testing, and unbiased reporting, CN Best VPN empowers users to make informed decisions about VPN services that truly work in China.

Media Contact

Organization: CN Best VPN

Contact Person: Rayan

Website: https://cnbestvpn.com/

Email: Send Email

Country:China

Release id:41003

The post CN Best VPN Officially Launches Independent VPN Review Platform for Mainland China Users 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

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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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