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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

Cloudbet Academy Launches World Cup 2026 Betting Guide: Crypto Strategies and Tournament Insights

Published

6 hours ago

on

January 30, 2026

By

Willemstad, Curaçao – Cloudbet, a leading crypto sportsbook and casino, today announces the release of the World Cup 2026 Betting Guide, a new free course in its Cloudbet Academy platform. Designed specifically for crypto users, this 35-minute open-access guide delivers targeted strategies and practical insights to help bettors navigate the expanded 48-team FIFA World Cup 2026, scheduled for June 11 to July 19, 2026.

The FIFA World Cup consistently ranks as one of the most heavily bet-on sporting events globally, attracting billions in wagers each edition due to its massive scale, international reach, and cultural impact. Industry estimates for recent tournaments place global betting turnover in the tens of billions of dollars, with projections for 2026 suggesting even higher volumes given the tournament’s unprecedented 48-team format and 104 matches.

A Cloudbet spokesperson says, “The 2026 World Cup is a prime moment for crypto bettors. On Cloudbet, with instant deposits and payouts in over 40 cryptocurrencies, you’re in the game within minutes. Stablecoins like USDT let you ride out volatility through the tournament, and low gas fees mean you can move fast when the odds shift. Want to back your country? Your club hero? You can, and with no red tape.”

Hundreds of outrights, player props, team specials, group winners, and other futures markets are already live on Cloudbet. These cover everything from tournament winner and top goalscorer to assists leader and match-specific propositions, giving users immediate access to a broad spectrum of options. For high-stakes bettors, Cloudbet’s Whale Mode—launched just in time for the Super Bowl—enables VIP traders to automate large positions with precision, making it ideal for high-profile tournaments like the World Cup.

The Academy, launched in late 2025, features three core tracks—Crypto Betting Basics, Sports Betting Fundamentals, and Betting Strategies & Analytics—that include interactive quizzes and rewards upon completion. The World Cup 2026 Betting Guide stands apart as the first tournament-specific course. It provides a focused, standalone deep dive that equips crypto users with crypto-optimized approaches to futures positioning, match betting, in-play tactics, and more.

World Cup 2026 Betting Guide: 7 Key Modules

The guide is structured across seven concise modules:

  1. World Cup 2026 basics and tournament format
          Breaks down the expanded 48-team format and how it creates inefficiencies across early group pricing, qualification paths, and futures markets.
     
  2. World Cup outright & futures betting
         Covers early positioning tactics, how to track odds shifts during qualification and the tournament, and how to use stablecoins to manage long-term volatility.
     
  3. How to place World Cup match bets
         Introduces group-stage vs knockout-stage dynamics and teaches contextual analysis beyond surface-level rankings.
     
  4. World Cup props, specials & group-based markets
         Focuses on Golden Boot, assist leaders, group winners, and other specials—plus how to adjust for neutral-venue effects.
     
  5. World Cup vs club football: What’s the difference?
         Explains key differences in tempo, tactics, pressure, and bankroll management between international and club football.
     
  6. World Cup live betting strategies
         Explores how to spot momentum swings in real time and use on-chain sentiment indicators to find edge in fast-moving markets.
     
  7. Advanced World Cup betting strategies & common mistakes (Advanced)
         Covers sharp techniques like futures hedging, accumulator timing, and how to avoid common pitfalls like public sentiment chasing and overconfidence.

World Cup 2026 Qualification Snapshot

As of January 2026, 42 nations have qualified, including co-hosts USA, Canada, and Mexico, plus major teams from every confederation such as Spain, England, France, Argentina, Brazil, Japan, and Morocco. The December 2025 draw has set the groups, and six final spots will be decided in March 2026 through UEFA play-offs and the inter-confederation tournament in Mexico.

The Academy’s ‘World Cup Outright & Futures Betting‘ module covers more on this, including strategies for betting on group qualification, interpreting odds movements during play-offs, and positioning early in long-term markets amid uncertainty.

A Cloudbet spokesperson noted, “With groups locked in and just a few spots left, now’s the window where early odds still reflect uncertainty. This is when sharp bettors get in—before pricing tightens after March and public money floods the markets in June.”

Current World Cup 2026 Outright Odds on Cloudbet (as of January 2026)

●     Spain: 5.55 odds

●     England: 6.64 odds

●     France: 8.99 odds

●     Brazil: 9.11 odds

●     Argentina: 9.13 odds

For the latest odds, visit Cloudbet.com.

Access the World Cup 2026 Betting Guide now at cloudbet.com/en/academy/world-cup-2026-betting-guide

About Cloudbet

Founded in 2013, Cloudbet is the world’s longest-running crypto sportsbook and casino. Players can bet with over 40 cryptocurrencies across thousands of sports markets and a full portfolio of casino games, including slots, live dealers, and provably fair crypto titles.

Cloudbet has processed millions of bets securely, offering sharp odds, high limits, instant crypto payouts, and 24/7 customer support.

In 2024, Cloudbet introduced a welcome offer and loyalty program built for serious players—real cash rewards, daily cash drops, and 10% rakeback with no wagering requirements.

From Premier League and NFL props to esports, tennis, and basketball, Cloudbet delivers the sharp action crypto bettors expect.

Find us at Cloudbet.com, on Instagram @cloudbetofficial, and Twitter/X @Cloudbet.

 

Media Contact

Irene@media.cloudbet.com  

 

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Press Release

CMS (867.HK/8A8.SG): Ruxolitinib Phosphate Cream Obtained China NDA Approval, Becoming The First and Only Targeted Drug for Vitiligo in China

Published

6 hours ago

on

January 30, 2026

By

SHENZHEN, CHINA – China Medical System Holdings Limited (“CMS” or the “Group”) is pleased to announce that its subsidiary, Dermavon Holdings Limited (“Dermavon”, an innovative pharmaceutical company specialized in skin health which is applying for a separate listing on the Main Board of The Stock Exchange of Hong Kong Limited, please refer to the announcement published by the Group on 22 April 2025 for details) received approval from the National Medical Products Administration of China (NMPA) on 30 January 2026 for the New Drug Application (NDA) of ruxolitinib phosphate cream (the “Product”) for the treatment of non-segmental vitiligo with facial involvement in children aged 12 years and older and adult patients. It is the first and only targeted drug approved in China for vitiligo, addressing a significant unmet clinical need.

Ruxolitinib phosphate cream is the first and only drug approved by the U.S. Food and Drug Administration (FDA) and the European Medicines Agency (EMA) for repigmentation in nonsegmental vitiligo[1,2]. Prior to receiving formal NDA approval, the Group benefited from the “Early and Pilot Implementation” policy granted to the Hainan Free Trade Port and Lecheng Pilot Zone (“Lecheng Pilot Zone”), the “Hong Kong and Macau Medicine and Equipment Connect” policy, and the clinically urgently needed imported drug policies of the Beijing and Tianjin Free Trade Zones, and had already initiated the pilot application of ruxolitinib phosphate cream. Currently, Boao Super Hospital has prescribed ruxolitinib phosphate cream to over 7,000 patients with non-segmental vitiligo, and more than twenty hospitals in Guangzhou, Shenzhen, Dongguan, Foshan, Zhongshan, Zhuhai, Jiangmen, Huizhou, Beijing and Tianjin have provided prescription services for the Product, demonstrating its clinical potential.

The product has shown positive results in both overseas clinical studies and the real-world study in China: in two identical Phase III double-blind, randomized, placebo-controlled studies (TRuE-V1 and TRuE-V2) conducted overseas, the proportion of patients achieving the primary efficacy endpoint of at least 75% improvement in the Facial Vitiligo Area Score Index (F-VASI 75) after 24 weeks of treatment with ruxolitinib phosphate cream was 29.9% in both studies, significantly higher than the 7.5% and 12.9% in the placebo groups, respectively. Continued use up to 52 weeks showed sustained repigmentation[3]. In accordance with the relevant regulations of the Lecheng Pilot Zone’s real-world data application pilot project, ruxolitinib phosphate cream underwent real-world study in China, demonstrating positive efficacy consistent with the results of overseas pivotal clinical studies. All secondary efficacy endpoints in both domestic and overseas clinical studies showed a benefit trend consistent with the primary efficacy endpoint, and the treatment effect for vitiligo continued to improve with prolonged treatment. Furthermore, according to safety monitoring data from the Lecheng Pilot Zone, no new safety event was identified, no adverse event (AE) leading to discontinuation or withdrawal of treatment occurred, and no study drug-related serious adverse event (SAE) occurred.

This approval in vitiligo brings new hope for treatment to over 10 million vitiligo patients in China, addressing urgent clinical needs. At the same time, it will add to Dermavon’s product portfolio in the field of skin treatment, potentially synergizing with Dermavon’s commercialized innovative drug ILUMETRI (tildrakizumab injection), commercialized exclusive drug Hirudoid (mucopolysaccharide polysulfate cream), and a series of innovative drugs under development and dermatological skin care products, in terms of expert network and market resources, thereby potentially enhancing Dermavon’s position in the field of skin health.

Furthermore, the Phase III clinical trial in China of ruxolitinib phosphate cream for the treatment of mild to moderate atopic dermatitis (AD) has achieved positive results. Currently, the Group is actively advancing the NDA for ruxolitinib phosphate cream for the treatment of AD in China, which, if approved, will provide a new treatment option for a broader patient population with AD in China.

About Vitiligo

Vitiligo is a chronic autoimmune disease characterized by depigmentation of the skin, which results from the loss of pigment-producing cells known as melanocytes. It is estimated that there are approximately 10.3 million vitiligo patients in China and non-segmental vitiligo patients account for approximately 8.2 million[4]. Existing therapies, such as topical corticosteroids (TCS) and topical calcineurin inhibitors (TCIs), have clinical limitations, with adverse reactions or limited efficacy with long-term use. The NDA approval of ruxolitinib phosphate cream successfully fills the gap in targeted drug treatment for vitiligo and is of great landmark significance. 

More About Ruxolitinib Phosphate Cream

Ruxolitinib phosphate cream (Opzelura®), a novel cream formulation of the selective JAK1/JAK2 inhibitor ruxolitinib developed by Incyte, is approved for the topical treatment of nonsegmental vitiligo in adult and patients aged 12 years and older, and for the short-term and non-continuous chronic treatment of mild to moderate AD in patients aged 2 years and older without immunodeficiency in the U.S. In Europe, ruxolitinib phosphate cream is approved for the treatment of non-segmental vitiligo with facial involvement in adults and adolescents from 12 years of age.

The Group, through a subsidiary of Dermavon entered into a Collaboration and License Agreement with Incyte for ruxolitinib phosphate cream on 2 December 2022, obtaining an exclusive license to develop, register and commercialize the Product in Mainland China, Hong Kong Special Administrative Region, Macau Special Administrative Region, Taiwan Region and eleven Southeast Asian countries (the “Territory”) and a non-exclusive license to manufacture the Product in the Territory. The subsidiary of Dermavon has sublicensed the relevant rights for the Product outside Mainland China to the Group (excluding Dermavon and its subsidiary).

Incyte has worldwide rights for the development and commercialization of ruxolitinib phosphate cream, marketed in the United States and Europe as Opzelura®. Opzelura® and the Opzelura® logo are registered trademarks of Incyte.

 

About CMS

 

CMS is a platform company linking pharmaceutical innovation and commercialization with strong product lifecycle management capability, dedicated to providing competitive products and services to meet unmet medical needs.

 

CMS focuses on the global first-in-class (FIC) and best-in-class (BIC) innovative products, and efficiently promotes the clinical research, development and commercialization of innovative products, enabling the continuous transformation of scientific research into clinical practices to benefit patients.

 

CMS deeply engages in several specialty therapeutic fields, and has developed proven commercialization capabilities, extensive networks and expert resources, resulting in leading academic and market positions for its major marketed products. CMS continues to promote the in-depth development in its advantageous specialty fields, strengthening the competitiveness of the cardio-cerebrovascular/ gastroenterology/ ophthalmology/ skin health businesses, bringing economies of scale in specialty fields. Among them, the skin health business (Dermavon) has become a leading enterprise in its field, and is proposed to be listed independently on the SEHK. Meanwhile, CMS continuously promotes the operation and development of its integrated R&D, manufacturing and commercialization chain in Southeast Asia and the Middle East, capturing growth opportunities in emerging markets to support the high-quality and sustainable development  of the Group.

 

Reference:

  1. The U.S. FDA approval information can be found on the Incyte official website, as follows:

https://investor.incyte.com/news-releases/news-release-details/incyte-announces-us-fda-approval-opzeluratm-ruxolitinib-cream

  1. The EMA approval information can be found on the Incyte official website, as follows:

https://investor.incyte.com/news-releases/news-release-details/incyte-announces-european-commission-approval-opzelurar

  1. The clinical studies information can be found on the Opzelura® official website, as follows:

https://www.opzelura.com/opzelura-prescribing-information

  1. China Insights Consultancy’s industrial report

 

CMS Disclaimer and Forward-Looking Statements

This press release is not intended to promote any products to you and is not for advertising purposes. This press release does not recommend any drugs, medical devices and/or indications. If you want to know more about the diagnosis and treatment of specific diseases, please follow the opinions or guidance of your doctor or other medical and health professionals. Any treatment-related decisions made by healthcare professionals should be based on the patient’s specific circumstances and in accordance with the drug package insert.

This press release which has been prepared by CMS does not constitute any offer or invitation to purchase or subscribe for any securities, and shall not form the basis for or be relied on in connection with any contract or binding commitment whatsoever. This press release has been prepared by CMS based on information and data which it considers reliable, but CMS makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the contents of this press release. Certain matters discussed in this press release may contain statements regarding the Group’s market opportunity and business prospects that are individually and collectively forward-looking statements. Such forward-looking statements are not guarantees of future performance and are subject to known and unknown risks, uncertainties and assumptions that are difficult to predict. Any forward-looking statements and projections made by third parties included in this press release are not adopted by the Group and the Company is not responsible for such third-party statements and projections.

 

Media Contact

Brand: China Medical System Holdings Ltd.

Contact: CMS Investor Relations

Email: ir@cms.net.cn

Website: https://web.cms.net.cn/en/home/

 

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Press Release

Gabriel Malkin Florida Completes 120-Mile Camino Walk with Focus, Patience, and Preparation

Published

11 hours ago

on

January 30, 2026

By

Florida, US, 30th January 2026, ZEX PR WIRE, Most students don’t spend the start of summer walking across northern Spain. Gabriel Malkin did. In June 2025, the Florida high school graduate completed a 120-mile stretch of the Camino de Santiago, one of the world’s oldest pilgrimage routes. It wasn’t a last-minute idea. It was a goal he had planned for, trained for, and quietly worked toward for months.

This wasn’t about adventure or social media. For Gabriel, it was about setting a physical goal and showing up for it every day.

“I didn’t want to wing it,” he said. “It was important to take it seriously.”

Gabriel’s prep started long before his flight to Europe. He built up mileage slowly, starting with short daily walks in South Florida. As the months went on, he added distance, tested gear, and paid attention to recovery. Blisters, sore muscles, and weather were all part of the process. So was building patience.

“The Camino isn’t just hard because it’s long,” Gabriel said. “It’s hard because you have to get up and do it again every day. Even when you’re tired. Even when nothing hurts and you feel fine—you still have to walk.”

The daily rhythm became its own challenge. Mornings often started before sunrise, with quiet stretches of trail through farmland, hills, and towns. Gabriel carried a small pack with essentials. Water, snacks, extra socks. No Wi-Fi. No schedule beyond the day’s distance. Just a clear goal and a few hours of steady effort.

That focus and consistency mirrors how Gabriel approaches most things. Whether he’s in class, on the tennis court, or working on saxophone tone, he tends to favor structure and repetition over shortcuts. It’s not about perfection. It’s about showing up, improving slowly, and staying with it.

“I’ve never been the fastest or the strongest at anything,” he said. “But I like knowing I’m getting better, even if it’s slow.”

Gabriel grew up in South Florida and attended Virginia Shuman Young Elementary, Pine Crest in Fort Lauderdale, and NSU University School in Davie. He played tennis, baseball, and football through different stages of school. He also spent time hiking local trails and practicing saxophone, two interests he says helped him train for the Camino more than people might expect.

“Hiking helped with endurance, obviously,” he said. “But playing music teaches you a lot about repetition and listening to your body. You learn when to push and when to pause.”

For Gabriel, the Camino wasn’t a performance or a competition. It was a quiet personal test. He kept notes during the walk, not for a blog, but to track how each day felt. When he crossed the finish line in Santiago, there was no big moment. Just a quiet sense of completion.

Now back home, Gabriel hasn’t stopped walking. He’s back to local trails, early mornings, and training logs. He’s also thinking about what comes next—college, travel, more endurance goals—but isn’t rushing anything.

“There’s no rush,” he said. “The Camino reminded me that showing up every day matters more than trying to get somewhere fast.”

Gabriel Malkin Florida continues to build habits rooted in preparation, consistency, and follow-through. Whether through athletics, academics, or music, his focus remains steady: stay curious, stay active, and finish what you start.

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