Connect with us

Press Release

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

Published

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

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

goMDnow Expands Consortium Services – Simplifying DOT Random Testing Pool & Return-to-Duty Compliance

Published

on

goMDnow has expanded its DOT Random Testing Consortium services, offering employers and owner-operators a fully automated, nationwide compliance solution. The enhanced program includes seamless enrollment, automated random selections, MRO review, lab coordination, Return-to-Duty management, and real-time digital compliance tracking.

Waxhaw, NC, United States, 22nd Nov 2025 – goMDnow, a leading compliance solutions provider servicing employers and owner-operators across the transportation industry, has expanded its DOT Random Testing Consortium services to make compliance simpler, faster, and more transparent for federally regulated employers. The program provides seamless entry into the DOT Random Testing Pool, automated random selections, lab coordination, MRO review, and full management of the Return-to-Duty Process  all within one integrated system.

Key highlights of the expanded consortium include:

  • Simplified enrollment into the DOT Random Testing Pool.
  • Automated random selections using validated, compliant methods.
  • Nationwide access to 20,000+ certified collection sites.
  • Integrated MRO review and laboratory coordination.
  • Streamlined Return-to-Duty Process management with SAP coordination.
  • Confidential data handling and chain-of-custody integrity.
  • 24/7 employer support and real-time compliance tracking.

Simplified Compliance for Employers

goMDnow’s consortium eliminates the stress of managing federally mandated testing programs. Employers gain full access to a compliance-focused program that automatically manages random testing requirements under DOT regulations  including the FMCSA’s 50% drug and 10% alcohol annual testing rates.

Benefits include:

  • Hassle-free setup for small-to-mid-size carriers and owner-operators.
  • Automatic testing notifications and digital reporting.
  • Centralized management of employee records, selections, and test results.

Digital Compliance Dashboard

The enhanced service includes a digital compliance dashboard that provides real-time visibility into program activity. Employers can monitor test completions, track compliance percentages, and generate audit-ready reports instantly. This automation ensures accuracy and transparency while maintaining compliance with 49 CFR Part 40 and Part 382.

Laboratory Coordination & MRO Oversight

Every specimen collected under the consortium is processed through SAMHSA-certified laboratories and reviewed by licensed Medical Review Officers (MROs). This process ensures chain-of-custody integrity, confidentiality, and compliance with federal standards.

goMDnow’s integrated system offers:

  • Secure lab coordination and verified testing results.
  • MRO review and result certification for regulatory accuracy.
  • One-point accountability for the full testing lifecycle.

Return-to-Duty Process Support

For drivers who test positive or refuse a test, goMDnow manages every phase of the Return-to-Duty Process  from SAP referral to follow-up testing. The company ensures that all safety-sensitive employees meet DOT requalification standards before returning to duty.

Return-to-Duty services include:

  • SAP evaluation and follow-up scheduling.
  • Negative return-to-duty test tracking.
  • Ongoing compliance monitoring for 12–60 months as required.

Designed for Small-to-Mid-Size Carriers

goMDnow’s expanded consortium is tailored to support small fleets and independent operators who may not have dedicated compliance staff. By partnering with goMDnow, employers can reduce administrative time while maintaining full regulatory adherence.

Advantages include:

  • Centralized management for all drug and alcohol testing needs.
  • 24/7 compliance assistance.
  • Real-time access to testing data and support specialists.

Accuracy, Confidentiality & Compliance Leadership

goMDnow remains committed to accuracy, confidentiality, and proactive regulatory awareness. The company continuously monitors DOT and FMCSA updates to keep clients informed and compliant. Its technology-driven model ensures employers have the latest tools to manage programs efficiently and confidently.

How to Get Started

Employers and owner-operators can enroll in goMDnow’s DOT Random Testing Consortium by visiting  Random Testing Consortium Signup page. Enrollment is quick, secure, and provides immediate access to compliance tools and nationwide testing locations.

Partnering with goMDnow allows organizations to operate confidently, maintain safety-sensitive compliance, and focus on their business while ensuring peace of mind with every test.

About goMDnow

goMDnow is a U.S.-based compliance services provider specializing in drug and alcohol testing for DOT-regulated employers. With nationwide collection access, advanced digital dashboards, and full management of random testing and Return-to-Duty programs, goMDnow is the trusted choice for comprehensive, compliance-focused solutions.

Media Contact

Organization: goMDnow Drug Testing

Contact Person: Waqar Bashir

Website: https://gomdnow.com/

Email: Send Email

Contact Number: +19806554455

Address:Waxhaw, NC 28173, United States

City: Waxhaw

State: NC

Country:United States

Release id:37582

The post goMDnow Expands Consortium Services – Simplifying DOT Random Testing Pool & Return-to-Duty Compliance 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

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

Kazakh Diplomas to Be Recognized in China, Japan, South Korea

Published

on

Kazakh university diplomas will be recognized in China, Japan, South Korea and other Asia-Pacific nations, following the Nov.19 Mazhilis (lower chamber of Parliament) ratification of the UNESCO Asia-Pacific Regional Convention on the Recognition of Qualifications in Higher Education, adopted in Tokyo in 2011.

The move is expected to significantly expand academic and professional mobility for Kazakh graduates across one of the world’s most dynamic regions. 

The convention aims to simplify procedures for recognizing university degrees, diplomas and other qualifications, ensuring transparency and fairness in their evaluation. Under the agreement, participating states commit to recognizing qualifications from other member countries, unless substantial differences exist between educational programs.

A key requirement of the convention is the establishment of national information centers in each member state. These centers will provide verified data on higher education systems, accredited institutions and qualification standards, facilitating smoother cooperation and trust among countries.

At the same time, Kazakhstan entered reservations to several provisions, particularly those related to the recognition of qualifications obtained through non-traditional learning models or incomplete academic programs, citing national education standards.

With Kazakhstan’s accession, the Tokyo Convention now includes 12 member states such as  Afghanistan, Armenia, Australia, China, Fiji, the Holy See, Japan, Mongolia, New Zealand, South Korea, Russia and Türkiye.

About Author

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

Why Most Organizations Fail at Grants and How Leslie Wise at Wise Grants Helps Them Win Smarter

Published

on

New Jersey, United States, 22 Nov 2025, ZEXPRWIRE, For many nonprofits, municipalities, and small businesses, the pursuit of grant funding feels like a never-ending race filled with tight deadlines, confusing requirements, and unpredictable outcomes. Yet, behind every successful award is not luck or chance, but a strategic approach. According to Dr. Leslie Wise, Founder and Principal Strategist of Wise Grants, the real reason most organizations fail at grants because they treat grant writing as a one-time task instead of a long-term funding strategy.

“Most organizations chase grants,” says Dr. Wise. “They wait for opportunities to appear, scramble to respond, and then wonder why their success rates are so low. But the truth is, funding success begins long before the application is ever written.”

With over eight years of grant development experience and a Doctorate in Education from Northeastern University, Dr. Wise brings both academic and practical insight into what drives sustainable funding. Her company, Wise Grants, is changing how organizations approach grant development by helping them build funding systems that work smarter, not harder.

The Strategic Gap in Grant Funding

According to Dr. Wise, the biggest misconception about grant success is that it depends primarily on writing skill. “A well-written proposal can’t save a weak project,” she explains. “Funders want to see clear alignment between your mission, your measurable impact, and their priorities. That requires strategy, something most organizations skip.”

Many nonprofits and agencies fail because they apply reactively, pursuing every available opportunity rather than focusing on the ones that align with their core mission. This leads to a cycle of burnout, frustration, and wasted effort.

At Wise Grants, the focus is on shifting that mindset. Dr. Wise teaches clients to view grant funding as a strategic partnership between the funder and the organization. “The key,” she says, “is understanding funder psychology. Grants are not just about need they’re about alignment and trust. Funders invest in clarity and confidence.”

From Reactive to Strategic: Building Systems for Sustainable Success

Wise Grants was founded on a simple but powerful philosophy: sustainable funding comes from strategic planning, not frantic proposal writing. The firm’s process helps organizations identify the right opportunities, cultivate funder relationships, and build internal systems that make future applications stronger and more efficient.

In 2024, Wise Grants’ clients collectively secured more than $2.5 million in federal, state, and private awards, and an additional $1.2 million in 2025. These results didn’t come from volume, they came from precision.

“Our clients don’t just win grants; they build capacity,” Dr. Wise emphasizes. “We help them think like funders designing programs that are measurable, collaborative, and scalable. That’s what turns one-time awards into ongoing success.”

Her approach includes:

  • Prospect Research and Funder Cultivation: Identifying and nurturing the right funding opportunities instead of chasing every one.
  • Strategic Project Design: Aligning projects with measurable community outcomes and funder priorities.
  • Sustainable Grant Systems: Creating repeatable internal processes so that organizations can manage funding efficiently and scale over time.

Experience Across Sectors

Dr. Wise’s experience spans education, housing, human services, and infrastructure—fields that all share a common challenge: balancing mission with measurable results.

Before launching Wise Grants, she served as the Middlesex Academic Skills Academy Supervisor in the Middlesex School District, where she partnered with local organizations to design workforce development programs for students. Her background in education helped her understand how community partnerships, mentorships, and skill-building initiatives can be structured around sustainable funding models.

She also served as President of the Hillsborough Township Library Advisory Board, leading its transition to municipal status and establishing funding policies that still benefit the community today.

Earlier in her career, Dr. Wise worked at Lucent Technologies / Bell Labs as a Market Research Analyst, providing funding analysis and strategic reporting for R&D investments, a role that refined her ability to blend analytical insight with practical decision-making.

That cross-sector experience, she says, has been crucial. “I’ve seen funding from every corporate, public, and nonprofit angle. The common denominator of success is always the same: clarity of purpose and a long-term plan.”

Where Research Meets Practice

Dr. Wise’s doctoral research at Northeastern University focused on Nonprofit Organizational Leadership and Curriculum, Teaching, Learning & Leadership. Her dissertation explored community-based mentorship programs and career pathway integration for high-ability learners project that increased student knowledge of high-impact industries by 95%.

The same evidence-based mindset now drives her work at Wise Grants. “Data matters,” she says. “Funders respond to measurable impact, not just emotion. We help organizations tell stories that are both compelling and quantifiable.”

Her academic training informs every stage of her process from helping clients identify funder priorities using data tools, to integrating AI-based grant research and strategy systems. Certified in AI Grant Tools, Grant Writing, and Grant Strategy by the Global Grant Writers Collective, Dr. Wise is part of a new generation of funding strategists who combine research, technology, and relationship-building into one seamless approach.

Helping Organizations Win Smarter

For Dr. Wise, “winning smarter” means doing more than securing funding—it means building capacity that endures long after the grant period ends.

“Too many organizations see grants as lifelines instead of growth tools,” she explains. “Wise Grants helps them flip that narrative. We teach clients how to integrate grants into their broader business models so funding becomes predictable, not desperate.”

Her firm’s clients often report not only higher award rates but also greater organizational confidence. By implementing structured systems for grant prospecting, proposal development, and reporting, they can focus more time on mission delivery and less on the stress of uncertainty.

“Grants should empower innovation, not exhaustion,” says Dr. Wise. “That’s why we train organizations to manage the process strategically. Once they understand how to align vision, data, and funder goals, everything changes.”

A Relationship-Driven Philosophy

Dr. Wise’s early career in major gift fundraising taught her an enduring lesson: successful funding is always about connection.

“Fundraising, whether from individuals or institutions, isn’t about the ask, it’s about the relationship,” she says. “When organizations understand what funders care about and position themselves as reliable partners, the entire process becomes smoother, more authentic, and more successful.”

Wise Grants continues to embody that principle, offering personalized consulting, capacity-building workshops, and full-scale grant strategy development for organizations seeking transformational not transactional results.

About Wise Grants

Wise Grants is a national grant strategy consulting firm founded by Dr. Leslie Wise, Ed.D., dedicated to helping nonprofits, municipalities, and for-profit partners secure sustainable funding through strategic planning, data-driven storytelling, and funder relationship development. Based in New Jersey, Wise Grants has helped clients secure millions in competitive awards from federal, state, and private sources.

The firm’s mission is to transform how organizations approach funding—by replacing reactive grant seeking with proactive, long-term strategy that builds capacity, impact, and measurable success.

For more information or to schedule a consultation, visit wisegrants.org or contact leslie@wisegrants.org.

Media Contact:
Leslie Wise, Ed.D.
Founder & Principal Strategist, Wise Grants
leslie@wisegrants.org
wisegrants.org
LinkedIn

About Author

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