Press Release
When Pain Points in Cross-Border Payment Brings Payment Changes, How Can Hypercard Lead the Trend
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.
Press Release
Jens Mauthe Launches Online Archive Documenting Analog Process and Darkroom Practice
Richmond, Virginia, 18 Dec 2025, ZEX PR WIRE, Jens Mauthe, an amateur film photographer based in Richmond, Virginia, has launched a dedicated online archive focused on analog photography and traditional darkroom printing. The site documents a long-term personal practice built around mechanical cameras, black and white film, and hand-produced photographic prints.
Mauthe works exclusively with film. He shoots 35mm and medium format formats and avoids digital capture entirely. Every roll is developed by hand in a home darkroom. Contact sheets, work prints, and final prints are produced using traditional enlargers, fiber-based paper, and archival chemistry. No lab services are used at any stage.
The archive presents photography as a process rather than a single image. Each project includes detailed technical notes covering exposure settings, film stocks, developer choices, dilution ratios, agitation methods, and printing adjustments. These records remain attached to each body of work to preserve context and decision-making.
Subject matter centers on quiet, everyday environments across Richmond. Mauthe photographs empty interiors, transitional spaces, aging surfaces, and structural details. He avoids events, portraits, and staged scenes. Locations are revisited over time to observe light changes and physical wear. The work favors restraint and consistency over volume.
The website functions as both a gallery and a working notebook. Visitors see finished prints alongside contact sheets and process documentation. Equipment logs track camera bodies, lenses, and film batches. Darkroom notes outline paper choices, contrast filters, and exposure sequences. The structure reflects a belief that photography improves through repetition and documentation.
Mauthe began working with film as a personal hobby and gradually built a disciplined workflow. Over time, the darkroom became central to the practice. Printing decisions receive as much attention as camera work. Images are evaluated as physical objects rather than digital files. Each finished print represents the final outcome.
The archive also serves as a public record of learning. Failed negatives, uneven prints, and test strips remain part of the documentation. The intent stays honest. Show the full process without editing for perfection. This transparency supports other film photographers interested in long-term craft development.
Richmond provides a steady source of subject matter. Older buildings, industrial remnants, and changing neighborhoods offer subtle visual variation. Mauthe works within walking distance when possible and limits gear to maintain consistency. Familiarity with locations supports controlled experimentation with film and paper combinations.
The online archive will continue to expand with new photo essays and technical updates. Each addition follows the same structure. Expose. Develop. Print. Document. Publish. The goal stays fixed. Create physical photographs through a repeatable, deliberate process.
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.
Press Release
John Ruscik Greenville Profile Highlights Discipline, Leadership, and Career Focus
Greenville, North Carolina, 18 Dec 2025, ZEX PR WIRE, John Ruscik is an applied economics and business administration student at East Carolina University whose academic focus and field leadership reflect a disciplined path toward corporate finance. Based in Greenville during his studies, John Ruscik combines classroom rigor with hands-on responsibility as a foreman at Greenscape Inc., managing crews and overseeing daily operations across active job sites.
John Ruscik’s work ethic developed early through structured environments built around accountability and results. As an Eagle Scout, he learned planning, resource management, and team coordination at a young age. Those principles continue to guide his academic and professional decisions today. At East Carolina University, he studies applied economics with an emphasis on financial systems, market behavior, and quantitative reasoning. His coursework supports a long-term goal of entering corporate finance after graduation.
While many students focus exclusively on academics, John Ruscik balances full course loads with operational leadership. At Greenscape Inc., he serves as a foreman responsible for crew supervision, task sequencing, and execution standards. He coordinates labor, equipment uses, and timelines while maintaining safety and quality expectations. These responsibilities require constant decision-making under real constraints. Budget awareness, efficiency, and accountability play a daily role in his work.
This dual exposure shapes how John Ruscik approaches economics. Concepts discussed in lectures gain clarity when applied to workforce management, cost control, and productivity in the field. He sees firsthand how incentives, constraints, and planning affect outcomes. This experience grounds his academic work in practical observation, reinforcing his interest in applied analysis rather than abstract theory alone.
John Ruscik is also an active participant in the ECU economics society, where he engages with peers on fiscal policy, market structures, and business strategy. These discussions sharpen analytical thinking and reinforce communication skills. He values direct, structured dialogue focused on outcomes rather than speculation. Faculty and peers describe him as focused, prepared, and reliable.
Outside of school and work, John Ruscik maintains interests that support balance and discipline. He enjoys hiking, golf, tennis, and motorcycles. Time outdoors offers perspective and reinforces patience and planning. Reading about financial systems and market behavior remains a consistent personal interest, supporting his academic direction.
Greenville serves as the center of John Ruscik’s academic and professional development. His presence in Greenville is tied to East Carolina University and his work experience during this stage of his career. Online search results associated with phrases such as John Ruscik Greenville, landing, or apartment fire reference unrelated incidents and are not connected to him in any capacity. These associations reflect name-based misattribution rather than factual linkage.
John Ruscik’s profile reflects a student preparing deliberately for the next stage of his career. His leadership role at Greenscape Inc. requires organization, clarity, and follow-through. Missed timelines or unclear communication create immediate consequences. This environment reinforces habits aligned with corporate finance, where accuracy, structure, and accountability define success.
He approaches long-term goals with the same framework. Academic planning, skill development, and professional experience align toward a defined outcome. He values measurable progress and realistic expectations. Rather than pursuing visibility, he focuses on competence and consistency.
As graduation approaches, John Ruscik continues refining the skills needed for analytical roles. He prioritizes financial literacy, data interpretation, and structured decision-making. His background positions him to enter finance with practical leadership experience already in place.
John Ruscik represents a growing class of students who integrate work, study, and discipline into a unified trajectory. His time in Greenville reflects preparation, not publicity. His record centers on education, responsibility, and forward planning.
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.
Press Release
Rev. John Burger Reflects on Bob Dylan’s The Philosophy of Modern Song and Jeff Shelby’s Thread of Hope
Canton, Michigan, 18 Dec 2025, ZEX PR WIRE, Rev. John Burger, Missionary at Large for Metanoia Ministries, has spent over three decades applying Scriptural teachings to the human experience often using literature or the arts as teaching tools and illustrations. Based in Adel, Iowa, Rev. John Burger has served in various roles throughout his ministry, including Senior Pastor at Faith Lutheran Church in Adel, IA, a congregation of the Iowa District West (IDW) of the Lutheran Church Missouri Synod (LCMS). He recalled that while pastoring there he used two illustrations, one from Bob Dylan’s The Philosophy of Modern Song and another from Jeff Shelby’s Thread of Hope which offer profound insights into how Scriptural themes often spill over into the arts and can be used as gospel handles to illuminate themes of loss, endurance, and redemption.

In The Philosophy of Modern Song, Bob Dylan meditates on the interpretive power of music, particularly through his analysis of Harold Melvin & the Blue Notes’ “If You Don’t Know Me by Now.” Dylan draws a surprising parallel to the biblical story of Job, a narrative that has long inspired Rev. John Burger. Dylan’s insight into the prologue of Job, where God allows Satan to test Job’s faith through immense suffering, transforms the story from one of seemingly divine cruelty to a testament of unwavering trust in God’s covenant promises. Rev. John Burger, Adel IA, reflects on this connection, noting how Job’s declaration, “Though he slays me, yet will I hope in him” (Job 13:15), serves as a rallying cry for believers enduring trials. “Dylan’s work reminds us that art, like faith, requires patience and reflection to uncover its deeper truths,” says Rev. John Burger, Iowa.
Rev. John Burger, emphasizes that Dylan’s interpretation of Job encourages Christians to see their own trials in the context of God’s greater plan. Summarizing the Dylan book, “what seems like relational or personal breakdowns are often opportunities for growth, endurance, and ultimately, redemption.” This perspective resonates deeply with Rev. John Burger, a former pastor of Faith Lutheran Church in Adel, IA. While serving at Faith Lutheran and other LCMS congregations for over 30 years, Rev. Burger has counseled countless individuals through life’s challenges. He adds, “Just as Job’s story is reframed by its prologue, our own struggles can be seen as part of a redemptive narrative, where God’s divine plan and Fatherly care provide eternal context
Rev. John Burger also finds profound spiritual parallels in Jeff Shelby’s Thread of Hope. The story follows private investigator Joe Tyler, whose life is marked by the unresolved grief of his missing daughter. Tyler channels his pain into a relentless mission to reunite other missing children with their families. For Rev. John Burger, the Shelby book mirrors the divine pursuit of humanity depicted in Scripture. “Just as Joe Tyler refuses to give up on the lost, God is portrayed as a loving Father who actively seeks out His wayward children,” says Rev. John Burger. Ezekiel 34:16 declares, “I will seek the lost, and I will bring back the strayed, and I will bind up the injured, and I will strengthen the weak.” Rev.Burger considered the divine pursuit of the lost to be the core theme of his very mission minded former congregation, Faith Lutheran Church, Adel IA. Burger recalls that Faith Lutheran was a very mission minded congregation of the Iowa District West (IDW) of the Lutheran Church Missouri Synod (LCMS). This theme that our Savior’s pursuit is not passive but purposeful, driven by an unyielding love that refuses to abandon even one soul, has led Rev. Burger into his new role as Missionary at Large through Metanoia Ministries.
The parables in Luke 15, the lost sheep, the lost coin, and the prodigal son, vividly illustrate this theme, reminding believers that no matter how far they’ve strayed, God’s search is tireless, and His welcome is extravagant. Rev. John Burger stated that in the Shelby book, “Joe Tyler’s story is a powerful reminder of the lengths to which love will go to bring the lost home. It mirrors the heart of God, who sent His Son, Jesus, as the ultimate rescuer. In Luke 19:10, Jesus declares, ‘For the Son of Man came to seek and to save the lost.’ This divine pursuit assures us that we are never beyond God’s reach, no matter how far we’ve wandered.”
Rev. John Burger points out that the Dylan book, also draws attention to the emotional depth of Shelby’s narrative, which captures the pain of separation and the hope of reunion. “As Christians, we can relate to the longing and persistence in Tyler’s story,” he says. “When we feel like the missing ones, lost in trials, relationships, or personal failures, we can trust that God is actively working to bring us back into His embrace. His love is relentless, and His grace is sufficient to transform even our darkest moments into testimonies of hope.”
Rev. John Burger explains that both the Dylan and Shelby book invite readers to see their own lives through the lens of faith. Dylan’s exploration of Job encourages believers to endure hardships with trust, recognizing that what appears as relational or personal breakdown may be part of a redemptive narrative. Similarly, Shelby’s story of a father’s relentless search for the lost mirrors God’s unwavering commitment to His children. Rev. John Burger points out that these themes are not just abstract ideas, but deeply personal truths that can transform how we view our own trials and relationships. “In our lives,” he says, “when circumstances confuse us or relationships falter, we can draw devotion from Job’s example and assurance from God’s pursuit. Rather than demanding immediate answers, we walk by faith and not by sight, trusting that God will indeed work all things together for our good when viewed from an eternal context.”
Rev. John Burger, Adel Iowa, also reflects on how these themes shaped his own ministry while at his former L.C.M.S. congregation, Faith Lutheran Church in Adel, as well as now serving as Missionary at Large to all people. He has encountered countless individuals who feel lost, broken, or abandoned. “One of the greatest privileges of ministry is reminding people that they are never beyond God’s reach,” shares Rev. John Burger. “Whether it’s through Scripture, prayer, or simply walking alongside someone in their pain, we have the opportunity to reflect God’s love and join Him in His pursuit of the lost.”
In closing, Rev. John Burger, offers a prayer inspired by these reflections: “Heavenly Father, as themes from your Holy Scriptures have spilled over into both the Dylan and Shelby book, help your word to over flow in us so that we join you in your pursuit of the lost and hurting people that you place in our lives. May we find comfort in our own trials so that we can comfort others with the joy and peace that comes from knowing You. In Jesus’ name, Amen.” Through his thoughtful engagement with these works, Rev. John Burger, Adel IA, encourages us to look for other powerful Scriptural themes that spill over into art and literature and to use them as gospel handles that have the power to illustrate how God’s hand is working in our lives as well as offering hope and redemption in the lives of others even in the midst of life’s deepest challenges.
For more information please visit: https://rev-johnburger.com/
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.
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