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

FinHarbor Introduces Rapid-Deployment Neobank Platform for 30-Day Go-Live

Published

3 hours ago

on

March 17, 2026

By

Nicosia, Cyprus – 17/03/2026 – (SeaPRwire) – FinHarbor recently announced a major update to its modular fintech infrastructure platform, expanding its crypto-fiat functionality and introducing a deeper orchestration layer across all modules. The updated platform bundles IBAN accounts, card issuing, payments and crypto-fiat exchange into a single stack, reducing typical launch timelines from more than a year to roughly one month. The company positions the platform as a ready-to-deploy foundation for fintech startups, embedded finance teams and licensed institutions that want to bring a financial product to market without building the entire stack internally.

The problem it addresses

Launching a neobank from scratch is still a long and expensive process. Most teams need 15–20 engineers, more than a year of development, and roughly €1.5–2 million before the first customer can even open an account.

FinHarbor’s approach is to remove much of that upfront work. The platform comes with core components already integrated: pre-built connectors to banking partners for IBAN and account infrastructure, card processing, payment rails, and crypto wallets. In practice, this means companies can start with a working financial product instead of assembling and connecting multiple vendors themselves.

What changed in the new release

The main change in the latest version is the introduction of a unified orchestration layer. Earlier versions of the platform offered modular components that could be connected together. The updated release adds a shared data model, a single audit log and compliance logic that operates across all modules.

Clients now integrate through one API and operate under a single contract, while still keeping the option to replace individual components if needed.

On the crypto side the platform has added extended custody capabilities for clients with specific blockchain integration requirements, broadening the range of supported networks and asset types. The compliance and AML tooling has also been updated, making it easier to configure the system to match each client’s internal policies and risk frameworks across different jurisdictions.

A recent deployment in four weeks

One EU-licensed fintech company recently used the updated platform to launch a full neobank in 28 days, including IBAN accounts, card issuance and crypto-fiat exchange.

The first week focused on core infrastructure: setting up the environment, integrating identity verification through SumSub, and connecting to the banking partner’s IBAN account infrastructure.

During the second week the team activated card issuing and configured the platform’s connections to SEPA, SWIFT, and international payment rails provided by the licensed banking partner.

The third week introduced the crypto layer – custodial wallets, exchange logic and fiat ramps.

The final week was dedicated to integration testing, white-label interface customisation and the production launch.

According to the company, the only noticeable delays were related to compliance approvals with the partner bank – a regulatory step rather than a technical limitation.

Industry perspective

“The new release is based on a simple idea: orchestration matters more than integration,” – said Ilya Podoynitsyn, CEO of FinHarbor.

“Connecting APIs from several vendors isn’t the difficult part. The real challenge is making those components behave like a single product – with unified compliance rules, a shared audit trail and enough flexibility to avoid vendor lock-in. That’s the engineering problem we focused on solving.”

Compliance and target users

The platform includes built-in AML transaction monitoring, sanctions screening and configurable verification tiers. Suspicious activity reports can be generated in formats accepted by regulators, and every system action is recorded in a unified audit log accessible through the admin panel or API.

Companies can operate under their own EMI, PI or VASP licence, or work through a licensed banking partner. The platform is designed to support both models and is aligned with regulatory frameworks such as MiCA and DORA.

FinHarbor says the platform is primarily aimed at three types of clients: fintech startups launching an MVP, companies adding embedded financial services to an existing product, and regulated institutions – including banks or government organisations – that need on-premise infrastructure.

It is best suited for companies looking to launch and iterate quickly on a proven infrastructure, rather than building every component from scratch.

About FinHarbor

FinHarbor is a technical platform provider for launching compliant, modular financial products – from wallets and neobanks to crypto ramps and OTC desks. Built on years of real-world fintech experience, the platform covers onboarding, compliance, wallets, transactions, cards, and reporting, delivered with a microservice-based architecture (ISO/PCI DSS-certified), a robust API layer, and on-premise or cloud-ready deployment. FinHarbor supports fiat-only, crypto-native, and hybrid business models across markets in Europe, MENA, and beyond.

Learn more: www.finharbor.com

Social Links

LinkedIn: https://www.linkedin.com/company/finharbor/

Blog: https://www.finharbor.com/blog

Media contact

Brand: FinHarbor

Contact: Media team

Website:  https://www.finharbor.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

Press Release

Wasatch Front Heating and Cooling Expands HVAC Services for Homeowners Across Clearfield, Utah

Published

4 hours ago

on

March 17, 2026

By

Local HVAC company strengthens residential heating, cooling, and indoor air quality services throughout the Wasatch Front

Clearfield, UT, United States, 17th Mar 2026 – As seasonal temperature swings continue to affect homes across northern Utah, Wasatch Front Heating & Cooling has expanded its residential HVAC services to meet increasing demand for reliable heating and cooling solutions in Clearfield and surrounding communities.

Based in Clearfield, Utah, Wasatch Front Heating & Cooling provides a range of residential HVAC services designed to address common issues homeowners face throughout the year, including aging heating systems, inefficient air conditioning units, and indoor air quality concerns. The company offers installation, repair, and maintenance services for both heating and cooling equipment, helping homeowners maintain consistent comfort during Utah’s hot summers and cold winters.

Across Davis and Weber counties, HVAC systems play a critical role in maintaining safe and comfortable living environments. Older systems, ductwork inefficiencies, and fluctuating seasonal temperatures can create challenges for homeowners who rely on their heating and cooling systems year-round. Industry professionals note that routine maintenance, system upgrades, and energy-efficient installations are becoming increasingly important as residential properties continue to age throughout northern Utah communities.

Operating from Clearfield, Wasatch Front Heating & Cooling has established its local presence by serving homeowners across the Wasatch Front. Residents searching for trusted local HVAC providers can locate Wasatch Front Heating & Cooling in Clearfield, UT, where the company continues to expand its service capabilities to support nearby communities.

The company’s service offerings include heating system installation, repair, and maintenance; air conditioning installation and servicing; mini-split system installation for homes requiring targeted climate control; ductwork installation; system retrofits; and routine maintenance plans designed to improve efficiency and extend system lifespan. Additional services include indoor air quality solutions and free second opinions for homeowners seeking professional assessments of existing equipment.

For homeowners exploring cooling solutions during the warmer months, the company also provides dedicated support for residential air conditioning systems through its HVAC service offerings, which include installation, repair, and seasonal maintenance designed to help systems operate efficiently during peak demand periods.

Co-owner Ryan Reeder says the company focuses on helping homeowners understand their options when addressing heating and cooling challenges.

“Many homeowners are dealing with systems that are older or not operating as efficiently as they once did,” said Reeder. “Our goal is to provide clear information and practical solutions so people can make informed decisions about repairs, replacements, or system upgrades.”

Co-owner Ethan Berryman added that transparency and education are important components of the company’s approach to residential HVAC work.

“Every home has different heating and cooling requirements,” Berryman explained. “Whether someone needs a new system installed, a retrofit to improve airflow, or simply routine maintenance, we focus on evaluating the entire system so homeowners can maintain reliable indoor comfort.”

From its Clearfield location, Wasatch Front Heating & Cooling serves homeowners across several communities along the Wasatch Front, including Layton, Roy, Ogden, and Farmington. These areas experience significant seasonal climate changes, which often require dependable HVAC systems capable of handling both extreme summer heat and winter cold. By providing installation services, maintenance programs, and system evaluations, the company aims to help residents throughout these communities maintain consistent indoor temperatures.

Industry experts note that proactive HVAC maintenance and timely system upgrades can help reduce energy consumption, extend equipment lifespan, and prevent unexpected breakdowns during peak seasons. With more homeowners paying attention to indoor air quality and energy efficiency, professional HVAC inspections and system improvements have become a routine part of home maintenance in many Utah households.

Residents in Clearfield and nearby cities seeking more information about heating and cooling services, equipment installations, or indoor air quality improvements can visit the company’s website to learn more about available services, request estimates, or schedule consultations with licensed HVAC technicians.

About Section

Wasatch Front Heating & Cooling is a residential HVAC service provider based in Clearfield, Utah. The company offers heating and air conditioning installation, repair, and maintenance, along with ductwork installation, indoor air quality solutions, mini-split system installation, and system retrofits. Founded by Ryan Reeder and Ethan Berryman, the company serves homeowners across the Wasatch Front, including Clearfield, Layton, Roy, Ogden, and Farmington. Wasatch Front Heating & Cooling focuses on helping homeowners maintain efficient and reliable climate control systems through professional installation, routine maintenance, and system evaluation.

Media Contact

Organization: Wasatch Front Heating & Cooling

Contact Person: Ryan Reeder, Ethan Berryman

Website: https://www.wasatchfrontair.com

Email: Send Email

Contact Number: +18015102997

Address:96 E 200 S

City: Clearfield

State: UT

Country:United States

Release id:42738

The post Wasatch Front Heating and Cooling Expands HVAC Services for Homeowners Across Clearfield, Utah 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

BOOX Launches Go 10.3 Gen II Series: Ultra-Thin E Ink Tablets for Digital Nomad

Published

5 hours ago

on

March 17, 2026

By

New York, United States, 17th Mar 2026 – BOOX has announced the release of its Go 10.3 (Gen II) Series, featuring two new 10.3-inch ePaper tablets designed to create a distraction free space for reading, thinking, and developing ideas. The series includes the Go 10.3 (Gen II) and Go 10.3 (Gen II) Lumi, both engineered to deliver an ultra-portable design, with a InkSense Plus stylus included.

Light Options for Different Work Environments

The Go 10.3 (Gen II), like its predecessor doesn’t have a front light layer, providing ink-on-surface visuals with exceptional clarity under direct sunlight. The Go 10.3 (Gen II) Lumi incorporates adjustable dual-tone front lights, enabling users to transition between cool daylight tones and warm amber glows for varied lighting conditions. Both models feature a high-definition 300 PPI monochrome ePaper display optimized for outdoor readability.

At just 4.6 mm thin for the standard model, and 4.8 mm for the Lumi version, the Go 10.3 (Gen II) Series maintains a sleek design while housing a 3700 mAh battery. Meaning that not accounting for Wifi and bluetooth, the tablets can last weeks on a single charge. The size supports a nomadic work style without compromising battery performance.
 

Advanced Writing and Organization Tools

The tablets come with the InkSense Plus stylus, which supports 4,096 pressure sensitivity levels and tilt recognition. Users can access digital tools including Lasso, Insert, Outlines, and Tags to organize handwritten notes, sketches, and brainstorming sessions.

Android 15 Integration with Distraction Management

Running Android 15, the Go 10.3 (Gen II) Series provides access to Google Play Store apps. An upgraded Octa-core processor powers multitasking and app performance, so this generation is fast while maintaining an eye-friendly, distraction-reduced interface. The tablets include 64GB of storage and support 26 digital file formats, allowing users to carry extensive document libraries. The built-in NeoReader app offers customizable reading and annotation capabilities for digital books.

Designed for Digital Nomads

The Go 10.3 (Gen II) Series delivers sunlight-ready clarity, ultra-thin design, and focused tools for those on the move. Built to support work-life integration and reduce screen fatigue, these tablets act as an anti-burnout tool that enables seamless work across any location.

About Onyx BOOX

BOOX is a global leading E Ink electronic brand of Onyx, specializing in E Ink tablets and monitors ranging from 6 to 13.3 inches. Designed to minimize eye strain and enhance productivity, BOOX caters to a diverse audience that includes professionals, academics, and individuals who aspire to more. BOOX combines E Ink with an Android operating system, providing its users with flexibility, cutting-edge hardware, and advanced software. More product info is available at https://shop.boox.com/.

Media Contact

Organization: Onyx International Inc

Contact Person: Arthur Li

Website: https://www.boox.com/

Email: Send Email

City: New York

Country:United States

Release id:42713

The post BOOX Launches Go 10.3 Gen II Series: Ultra-Thin E Ink Tablets for Digital Nomad 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

LATEST POST

Like Us
Follow Us
Subscribe Us
Follow Us