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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

AgriFi Launches Real Yield DeFi Platform Backed by Agricultural Productivity

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1 hour ago

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February 21, 2026

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Estonia, 21st February 2026, ZEX PR WIRE, AgriFi, the blockchain-based agricultural finance ecosystem built on the Polygon network, has introduced its structured DeFi staking framework designed to align blockchain rewards with measurable agricultural productivity.

Unlike conventional yield farming systems that rely primarily on token emissions, AgriFi’s staking architecture operates under what it defines as a Fair Yield Economy, where participation rewards are linked to ecosystem performance rooted in real farming activity.

This milestone reflects AgriFi’s 2026 objective of building a transparent Agricultural DeFi infrastructure where digital finance mechanisms are anchored to productive land, verified farm data, and operational revenue.

Redefining DeFi Staking Around Real Economic Output

Most staking systems in decentralized finance are structured around supply expansion or liquidity mining incentives. While these models can drive participation, they are often disconnected from real-world productivity.

AgriFi’s architecture introduces a structurally different framework.

The AGF token, an ERC 20 asset operating on Polygon with a fully circulating supply of 7.2 billion tokens, functions within a broader agricultural finance ecosystem. Staking is not positioned as speculative yield farming. Instead, it operates as a structured participation layer linked to ecosystem performance.

The underlying principle is straightforward:

Blockchain rewards should reflect measurable economic activity.

Within AgriFi’s model, that activity originates from agricultural production, farmland participation structures, and ecosystem-level revenue logic.

How AgriFi’s Blockchain Staking & Profit Model Works 

Staking Module

Token holders can lock their AGF tokens for periods ranging from 30 to 360 days, earning competitive yields of 5%–18% APY.
Smart contracts automatically calculate rewards based on staking duration and redistribute them directly to users’ wallets.
An early exit penalty of 2% ensures long-term ecosystem stability and consistent capital flow.

Profit Distribution Module

Beyond staking, AgriFi’s Profit Distribution Module converts farm revenues, such as crop sales and lease income, into stablecoins (e.g., USDC) and allocates them proportionally to AGF holders.
This creates a dual-income structure where investors benefit from both DeFi yield and real-world agricultural profits.

This establishes a dual participation structure where AGF holders may engage in both staking mechanics and agricultural performance participation, subject to ecosystem conditions.

All distribution logic is governed by smart contracts and remains on-chain and verifiable.

  1. Transparency Through Smart Contracts: All staking data, farm yields, and revenue flows are verifiable on the Polygon blockchain, ensuring full traceability from the field to the token holder.
  2. Farmer Capital Access: By enabling fractional investment through tokenized farmland, AgriFi allows farmers to raise funds transparently while sharing returns with global stakeholders.

From Field Performance to On-Chain Reward Logic

The defining strength of AgriFi’s staking model lies in its economic linkage between agriculture and blockchain.

The ecosystem architecture operates across three primary layers:

Blockchain Layer
 Records token ownership, staking participation, governance logic, and smart contract execution.

Business Logic Layer
 Manages farmland tokenization structures, allocation formulas, and reward calculations.

Off-Chain Operational Layer
 Integrates agricultural activity, farm management systems, and IoT data inputs.

Revenue generated through agricultural activities and ecosystem participation influences the broader performance logic of the platform. That performance logic informs the sustainability and allocation of staking rewards.

In simplified structural terms:

Farm productivity influences ecosystem revenue
Ecosystem revenue influences distribution capacity
Distribution capacity influences staking sustainability

This framework establishes a direct pathway between real agricultural output and decentralized finance participation.

Importantly, staking returns are performance-linked and ecosystem dependent. They are not fixed-income guarantees. This distinction preserves structural integrity and regulatory clarity.

Agricultural DeFi Within the Real World Asset Movement

The tokenization of real world assets has become one of the defining themes in decentralized finance. Treasury instruments, real estate, and private credit have gained attention. Agriculture, despite being foundational to global economic stability, has remained structurally underrepresented.

AgriFi’s staking framework introduces a clear model for integrating agricultural productivity into DeFi reward mechanics.

Rather than treating farmland as a static digital token, the ecosystem embeds agricultural output into staking participation, governance structures, and ecosystem incentives.

This approach positions agricultural finance as a distinct and credible category within the broader real world asset evolution.

Infrastructure Built for Accessibility

Operating on Polygon enables low transaction costs and high throughput. Wallet compatibility includes MetaMask and WalletConnect, allowing participants to engage directly with staking contracts.

All staking logic remains on chain and independently verifiable, reinforcing transparency and trust.

About Agrifi

Agrifi is driving an agricultural revolution, harnessing blockchain technology to transform the agricultural supply chain. Our mission is to enhance transparency, efficiency, and sustainability in agriculture while empowering farmers and supporting small-scale agricultural practices.

Join us on this exciting journey to explore the future of agriculture while potentially enhancing the value of your AGF tokens. We’re not just redefining agricultural finance; we’re revolutionizing the future of farming and food production.

Ready to start staking your AGF tokens? Visit our website at https://agrifi.tech/for detailed steps on how to stake your tokens. Stay connected with us on Telegram, Twitter, Facebook and Instagram for the latest updates and community discussions.

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Press Release

Bernardo Arsuaga Cardenas on Emerging Trends That Matter to Everyday People

Published

2 hours ago

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February 21, 2026

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Bernardo Arsuaga Cardenas of Monterrey, Mexico breaks down key trends shaping how we work, create, and tell stories in a changing world.

Monterrey, Mexico, 21st February 2026, ZEX PR WIRE, Award-winning filmmaker and storyteller Bernardo Arsuaga Cardenas is highlighting several recent trends that are affecting individuals across industries, careers, and communities. Drawing from his own experience moving from law to documentary filmmaking, Bernardo offers insight into what these trends mean for everyday people and how they can respond with practical action.

Bernardo Arsuaga Cardenas

Trend 1: Creative Work Is Becoming More Accessible — and More Competitive

More people than ever are creating videos, podcasts, short films, and digital content. Easy online tools and platforms mean anyone can publish, but that also means more noise and more competition for attention.

  • More than 90% of internet users watch video content weekly.

  • Independent creators now number in the tens of millions worldwide.

In Bernardo’s words, “A good story opens doors, but only if someone takes the time to tell it right.”

Trend 2: Storytelling Is More Valuable Than Ever in Work and Life

Across fields, the ability to communicate clearly has shifted from a “nice-to-have” to a core skill. Whether pitching an idea, presenting a project, or sharing a life experience, strong storytelling builds connection.

“My goal in filmmaking is to make people sit down, forget about themselves, and enjoy a story,” Bernardo says. Simple, relatable narratives resonate.

Trend 3: People Are Seeking Depth Over Distraction

There’s a growing desire for meaningful content that helps people reflect, learn, or feel something real. Short, surface-level content still grows fast, but deeper work earns lasting engagement.

Bernardo believes this reflects a need for substance: “Ideas die when they stay abstract. Plans keep them alive.”

Trend 4: Collaboration Across Fields Fuels Opportunity

People who work with others outside their comfort zone — different industries, backgrounds, or skill sets — open unexpected doors. Bernardo’s collaborations with musicians, chefs, and athletes demonstrate how cross-disciplinary work expands audience reach.

What This Means for You — in Plain Language

These trends show that while tools are easy to access, real influence comes from clarity of idea and consistency of effort. Bernardo puts it simply: “Finish what you start, even if it’s imperfect.” When you invest time into a clear story, idea, or skill — and share it with others — you build value that lasts beyond trends.

Your Next 7 Days — Actions You Can Take This Week

  1. Write a short narrative (about your week, a project, or a goal) and share it with someone.

  2. Watch one long-form documentary instead of scrolling social media.

  3. Pick one idea you’ve put off and write a first step.

  4. Talk to a neighbor or colleague about something they’re passionate about.

  5. Record a short video sharing something you learned recently.

  6. Organize your notes or sketches into one simple outline.

  7. Attend a local event — even online — that focuses on creativity or craft.

Your Next 90 Days — Longer Actions for Growth

  1. Start a storytelling project (journal, mini documentary, blog, or podcast).

  2. Build a small network of collaborators — aim for three people in different fields.

  3. Learn one new tool (editing software, audio recorder, design app) and use it weekly.

  4. Host or co-host a community screening or talk about a local issue.

  5. Set a weekly reflection habit — review what worked, what didn’t, and your next step.Call to Action

Start now. Pick one action — big or small — and take the first step today. Whether you write a paragraph, record a voice memo, or have a meaningful conversation, momentum begins with action.

About Bernardo Arsuaga Cardenas

Bernardo Arsuaga Cardenas is a Monterrey-based documentarian, producer, and partner in a post-production studio. A former lawyer, he has directed internationally recognized documentaries including The Weekend Sailor and The Michoacan File. His work merges storytelling, curiosity, and real human experience, with a focus on turning meaningful ideas into projects that connect with audiences around the world.

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Press Release

First Class Demolition Expands Commercial Demolition Services Across Melbourne and Surrounding Suburbs

Published

3 hours ago

on

February 21, 2026

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Australia, 21st Feb 2026 – First Class Demolition, a leading provider of commercial demolition services in Victoria, has announced the expansion of its operations into Melbourne, Richmond, and surrounding suburbs. With over 20 years of industry experience, the company is set to provide safe, efficient, and fully licensed demolition solutions tailored to commercial and industrial clients across the region.

As urban development and property refurbishment continue to rise in Melbourne, demand for professional demolition services has grown significantly. First Class Demolition is responding to this need with a comprehensive suite of services that cater to warehouses, factories, schools, commercial buildings, car parks, and public facilities. The expansion reinforces the company’s commitment to delivering projects on time, within budget, and to the highest safety standards.

“Our mission has always been to provide reliable, professional, and fully compliant demolition services,” said the Director of First Class Demolition. “By expanding into Melbourne and nearby suburbs, we are bringing our expertise closer to clients who require commercial demolition Melbourne, partial demolition Melbourne, and associated services such as concrete excavation, land clearing, and asbestos removal Melbourne.”

The company’s service offerings include:

  • Commercial Demolition – Safe and efficient demolition of warehouses, factories, schools, concrete and metal buildings, parking lots, sidewalks, and council facilities.
  • Partial Demolition – Selective deconstruction that removes specific structures while preserving other parts of the building for renovations or alterations.
  • Concrete Excavation – Removal of reinforced concrete foundations, footings, stump and strip footings, rocks, and waffle pod slabs.
  • Land Clearing – Preparation of land for construction projects by clearing vegetation, debris, and restoring sites to a safe, usable state.
  • Strip Outs – Removal of fixtures, fittings, and interiors to leave spaces ready for refurbishment.
  • Asbestos Removal Coordination – Collaboration with fully licensed asbestos removalists to safely manage Class A and Class B asbestos, including providing compliance and clearance certificates.

First Class Demolition operates with full insurance and VBA registration, ensuring all projects adhere to the strictest safety and compliance requirements. Their team of specialists is equipped to manage every stage of a demolition project, from initial assessment and permits to site clearance and post-demolition cleanup.

Clients in Melbourne have already praised the company’s professionalism and efficiency. Marcus L., a recent customer, shared, “I’ve worked with several demolition contractors over the years, and these guys stand out. Clear pricing, no delays, and a very organized crew on site. First Class Demolition Melbourne delivered exactly what they promised.” Priya S., another client, added, “Professional, efficient, and easy to deal with. They managed all permits and safety requirements without any stress on our end. Highly recommend.”

The company is dedicated to offering fast turnaround times, competitive pricing, and exceptional customer service. Potential clients can request a free demolition estimate through the company’s website at https://commercialdemolitionmelbourne.com.au/, or contact the team directly at 0485 018 606 or info@commercialdemolitionmelbourne.com.au.

With the expansion, First Class Demolition aims to strengthen its presence in Melbourne while continuing to serve industrial and commercial clients across Victoria. Whether a project requires full-scale demolition, selective structural removal, or specialized asbestos coordination, the company promises dependable results delivered by experienced professionals.

About First Class Demolition
Founded over two decades ago, First Class Demolition provides top-tier commercial demolition Melbourne services across Melbourne and Victoria. The company specializes in a range of services, including commercial and industrial demolition, concrete excavation, land clearing, partial demolition, strip outs, and coordinating licensed asbestos removal. Fully licensed, insured, and VBA-registered, First Class Demolition is committed to delivering safe, compliant, and efficient project outcomes.

Contact:
First Class Demolition – Commercial Demolition Melbourne
Address: 380 La Trobe St, Melbourne, VIC 3000
Phone: 0485 018 606
Website: https://commercialdemolitionmelbourne.com.au/

Media Contact

Organization: First Class Demolition

Contact Person: Support team

Website: https://commercialdemolitionmelbourne.com.au/

Email: Send Email

Country:Australia

Release id:41758

The post First Class Demolition Expands Commercial Demolition Services Across Melbourne and Surrounding Suburbs 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

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