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

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Throughout the evolving history of global cross-border payment, cross-border payment is rising with the continuous development of the international division of labor and international exchanges. In the early days, people use precious metals for cross-border payment and clearing, then followed by paper money, and today’s modern electronic transfer and clearing. Cross-border payment is developing gradually towards a  rapid, safe and economical trend as the entire international community is engaging in the activities more frequently and science and technology are changing and progressing.

The change of cross-border payment

According to the data, the total amount of global cross-border payment reached $125 trillion in 2018 and is expected to reach $218 trillion in 2022, promising huge profits.

In the existing transfer and remittance system, the transaction is slow and the cost is high with much margin for error; institutions have to coordinate the value transfer between different internal databases, which makes it extremely difficult to settle transactions quickly. This process not only slows down the transaction progress but also requires large working capital, which has a negative impact on the balance sheet of the institution.

As cryptoassets are gradually accepted by traditional finance, digital currency payment is also implementing and applying quickly. The competition around digital currency has just begun across the globe. In 2019, the emergence of Libra has triggered the catfish effect, and legal currency is discussed more enthusiastically all over the world. Countries have taken precautions and speeded up the research on sovereign digital currency. Even the European Central Bank, which did not seem interested before, recently began to discuss the necessity of developing a unified digital currency. According to a report released by the International Monetary Fund in July of the same year, nearly 70% of the world’s central banks are studying sovereign digital currency.

Some fear that Libra may become a strong currency once in circulation. It can be exchanged with the currencies of countries and erodes the fiat currency. If the weak countries make mistakes in regulation, hyperinflation or even de-monetization will likely happen. In the past, a typical example is Zimbabwe who abolished its local currency and was forced to use the US dollar and other currencies.

Traditional payment giants are  fostering digital currency payment

Bitcoin was born to destroy the existing monetary system, which many people think is too expensive and exclusive. Given this, it has a much broader value proposition than a deflationary policy and a hard cap of 21 million coins. The new application of blockchain technology also allows anyone to remit money to counterparties around the world in minutes at a low cost.

This function makes bitcoin directly target the existing payment platforms (such as credit card networks and inter-bank messaging systems). While some companies shrug off these concerns, others see the potential and are looking for ways to create value for partners and shareholders.

According to news on February 20, Visa, an international payment giant, has cooperated with 35 leading digital currency platforms or digital wallets.

These institutions are digital currency platforms licensed by the state or regulated by relevant departments, such as the digital payment platform WireX, the digital currency trading platform Coinbase and Fold, cryptoasset lending platform BlockFi, Austria encryption trading platform Bitpanda, Encrypted debit card platform Crypto.com, etc.

Industry insiders said that the cooperation between Visa and digital currency service providers enables consumers to exchange digital currency more quickly and easily. Users can also deposit this money into their Visa certificates in real-time.

When asked why Visa chose the cryptoasset payment, Visa’s executives clearly expressed their optimism about the payment method in his talks with Forbes: “we saw significant innovation in new financial services for consumers holding digital currency. One example is the growth in demand for digital money lending. We are delighted to work with fintech companies like Cred. The company develops new products in this ecosystem and finds new ways for Visa to improve the entrance of fiat currency associated with these products. “

At present, in addition to Visa, MasterCard, Paypal and other international payment tycoons are also fostering digital currency.

Recently, MasterCard stated that it has cooperated with the Central Bank of The Bahamas to launch the world’s first Bahamas prepaid card. The prepaid card allows people to immediately exchange digital currency into traditional Bahamas dollars and pay for goods and services anywhere MasterCard supports. PayPal also claimed to provide cryptocurrency services to the UK market in the coming months.

Cryptoasset service providers speed up the participation in payment

Not only the traditional payment giants are paying attention to cryptoassets payment, but also the asset service providers in the encryption industry are exploring the possibility of payment. HyperBC, a well-known encrypted asset service provider, has launched a comprehensive consumer card HyperCard. After being deposited with digital currency, the card is available in more than 176 countries and more than 50 million merchants worldwide.

As a global standard credit card, HyperCard supports the binding consumption with third-party payment companies by users

Every payment made by HyperCard is secure and consumer privacy is protected by law. HyperCard can transfer money beyond the geographical limit in a second at a low commission, yet with  24/7 service. It is traceable with clear information of all parties. No matter which city you are in, you can use it at all merchants accepting Visa, Master and UnionPay.

In fact, in addition to payment, the most intuitive appealing of digital currency credit cards is it makes encrypted assets purchasing easy and cash out of cryptoassets. In this context, digital currency payment is still a very new track, and the choice of such products is still limited. The main problems are as follows:

1. Only single-currency payment is supported, such as bitcoin

2. Only available in a small number of areas

3. Users have to buy cryptocurrency issued by the card providers before paying

4. Charge a certain percentage of the annual fee

HyperBC also takes this situation into consideration. It is convenient to apply for HyperCard.  The digital currency, deposited into HyperCard, can be exchanged into fiat currency in real-time, eliminating the tedious process and the trouble of cash payment, and significantly improving the user-friendliness of digital currency. HyperCard does not charge for KYC verification and only charges a very low commission for each deposit.

How to apply for HyperCard?

a Download the HyperPay App(https://www.hyperpay.tech/app_down) and register
b Apply for HyperCard

c Submit KYC documents and pass the certification

d HyperCard received

Conclusion

With the rapid development of digital currency and the increasing global acceptance of digital currency, the boundary between fiat currency and digital currency will become narrower. At the same time, digital currency credit card reduces the threshold for traditional users to access digital currency. The selective digital currency assets also avoid their risk in holding digital currency to a certain extent, Whether for investment, quick cash-out, or regular consumption, HyperCard, as a mature digital currency credit card, can enable cardholders to enjoy more convenient services.

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Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.

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Medifakt Appoints Preethika Mandadi as Chief Executive Officer

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Medifakt, the health-to-earn DeSci ecosystem built on a cross-chain token economy, today announced the appointment of Preethika Mandadi as Chief Executive Officer. Preethika brings deep expertise in technology strategy, health innovation, and operations to the role, stepping in at a pivotal moment as Medifakt prepares for its global commercial launch.

About Preethika Mandadi

Preethika Mandadi is a technology strategist and health innovation leader who has driven Medifakt’s operations, product development, and go-to-market strategy. She holds a Master’s in Computer Information Technology from Purdue University, and brings enterprise experience from the State of Indiana and DXC Technology, where she led AI-driven analytics and business modernisation projects.

A certified Yoga Teacher (RYT 200), Preethika’s commitment to wellness is both professional and personal — the authentic foundation of the Medifakt mission. She is also the first author on a forthcoming peer-reviewed DeSci research paper on the Medifakt ecosystem, targeting a high-impact journal for December 2026 publication.

About Medifakt

Medifakt is a Decentralised Science (DeSci) health-to-earn ecosystem that rewards users for verified healthy behaviour through on-chain incentives. The company’s products include the FaktUp mobile application — a gamified mental wellness platform — alongside the Fakt-O-Band and Fakt-O-Ring BLE wearable devices that generate cryptographically signed, device-verified health data. Medifakt operates a dual-chain token economy: SOLFAKT on Solana serves as the earn-and-spend velocity token, while FAKT on Ethereum functions as the governance and store-of-value layer. Medifakt’s mission is to create a privacy-first, decentralised model for personal health data ownership — giving individuals full control over their wellness journey and rewarding them in real tradeable value.

Fore more information Visit: www.medifakt.com | email us at social@medifakt.com

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AI & Blockchain Startup Edubuk Secures $50M Investment from Nimbus Capital

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New Delhi, India, March 24th, 2026, ZEX PR WIRE, Edubuk, a fast-scaling AI and blockchain startup, has secured a $50 million strategic investment commitment from Nimbus Capital, marking a major milestone in its mission to redefine global hiring infrastructure, powered by its upcoming $EBUK reward token launch.

Founded by Apoorva Bajaj (CFA, IIT Dhanbad; IIM Kozhikode Gold Medallist, with work-ex in Global Financial Markets with Goldman Sachs, DE Shaw, GlobalData) and Shivani Mehrotra (MBE from Lucknow University, Topper, UGC NET Qualified ex- Professor, Education leader, Microsoft Innovative Educator, Women in AI APAC finalist), Edubuk is tackling one of the world’s largest yet overlooked problems, fake credentials and broken verification systems, impacting over 500 million profiles globally, a $50billion+ issue.

  •  $50M strategic backing from Nimbus Capital
  • 100,000+ on-chain verifications
  •  Expanding across India, South East Asia, Middle East, Europe & Africa

At the core is TruCV, a blockchain-powered, tamper-proof CV platform integrated with DigiLocker, enabling instant credential verification, and TruJobs, an AI-driven job matching platform for employers.

Backed by global recognition and awards from G20, MIT, Harvard, GITEX, CNBC, CNN, Leap-to-Unicorn, STPI, and others, Edubuk is not just building a product; it is building the trust layer for the future of work.

This isn’t just a startup, it’s the infrastructure for a transparent, skill-first global workforce.

Website: https://www.edubuk.io/

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Steve Valdiserri Identifies Three Shifts Reshaping the Back End of Healthcare Finance

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  • Traverse City executive Steve Valdiserri outlines the operational trends he sees accelerating across revenue cycle management, AI adoption, and value-based care performance in 2026 and beyond.

Healthcare Finance Is Changing Faster Than Most Organizations Are Ready For

Michigan, USA, 24th March 2026, ZEX PR WIRE — The back end of healthcare finance has historically been defined by manual processes, siloed data systems, and reporting volumes that require significant staff time to produce and interpret. Steve Valdiserri, SVP of Operations at Tally and Accurio and Founding Partner of Avanti Strategy Group, has spent the past year working at the intersection of these systems and the AI tools designed to replace or augment them. He identifies three shifts that healthcare executives and operators should be tracking closely.

Shift One: AI Adoption Is Moving from Strategy to Operationalization

The question in healthcare AI has shifted. Organizations are no longer asking whether AI belongs in revenue cycle or financial reporting. They are asking how to operationalize it within existing workflows and regulatory constraints. Valdiserri sees this as meaningful progress, though he notes that the distance between adopting a tool and realizing its financial benefit remains significant for most organizations. The gap is typically operational, not technological.

At Tally, where he leads operations, the focus is on building the infrastructure that allows AI automation to produce consistent results for organizations managing insurance verification, claims submission, AR follow-up, and financial reporting. The tool is only as effective as the operational environment it runs in.

Shift Two: Attribution Is Becoming a Recognized Strategic Priority in Value-Based Care

For years in value-based care, attribution management was treated as a technical function handled by data teams with limited connection to executive strategy or operations. Valdiserri has argued consistently that this framing understates its importance. The patient panel determines the performance baseline for every value-based care program. If attribution is broken, the downstream investment in care management, quality programs, and payer engagement produces less return than it should.

He notes a growing recognition among VBC leaders that attribution deserves a dedicated operational strategy, including systematic payer engagement and ongoing panel validation. The organizations beginning to treat it that way are seeing earlier identification of performance gaps and more accurate financial projections from their risk-based contracts.

Shift Three: Healthcare Finance Metrics Are Being Simplified, Not Expanded

Counter to the general trend toward more reporting, Valdiserri sees leading healthcare finance teams moving toward fewer, higher-quality metrics. The volume of data available to healthcare organizations has grown faster than the capacity to interpret it strategically. His view, developed across a decade of VBC operations and now applied in revenue cycle contexts, is that most organizations need a small number of metrics that describe financial health clearly rather than a comprehensive dashboard that requires significant analysis time to interpret.

For revenue cycle, his working framework focuses on AR days, write-off rate, and gross charge distribution as core indicators. Other metrics matter, but these three describe the financial condition of the business in terms that allow for direct operational response.

What These Shifts Mean for Healthcare Operators

Each of these shifts rewards organizations that prioritize operational discipline over technology adoption speed. AI tools deliver better results in organizations that have already clarified their processes. Attribution strategy produces better financial outcomes when it is connected to executive decision-making rather than siloed in analytics. Simplified metrics work when an organization has already done the harder work of understanding which numbers actually drive performance.

Valdiserri’s current work across Tally, Accurio, and Avanti Strategy Group reflects a consistent thesis: the organizations that will benefit most from the changes underway in healthcare finance are the ones that invest first in the operational foundations that make those changes productive.

About Steve Valdiserri

Steve Valdiserri is a healthcare operations executive and entrepreneur based in Traverse City, Michigan. He serves as SVP of Operations at Tally and Accurio and as Founding Partner of Avanti Strategy Group. He previously held senior operational roles at VillageMD over approximately a decade. He completed a certificate in AI in Health Care from Harvard Medical School in October 2025 and holds a Bachelor of Arts in Economics from DePauw University. Connect with him at stevevaldiserri.com.

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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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