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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

Chinese humanoid robots gallop towards consumer market

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5 hours ago

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February 18, 2026

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CGTN published an article on robot performances during China Media Group’s 2026 Spring Festival Gala. When the Year of the Horse arrived in 2026, all eyes were on China’s Spring Festival Gala. What unfolded was more than a cultural spectacle – it was a hard-tech showcase. Humanoid robots have become a recurring Gala centerpiece, signaling China’s push for next-generation AI-powered robotics. While some Western counterparts remain stuck as expensive prototypes, China’s strategy is moving from lab to production line. The cycle from spectacle to store is complete – and the world is watching.

Chinese humanoid robots have officially moved from lab prototypes to the center of the global stage.

At this year’s CMG Spring Festival Gala, the world’s most-watched television broadcast, four Chinese robotics powerhouses, namely Unitree, MagicLab, Galbot and Noetix, debuted their most advanced units to date. For the robotics industry, this was far more than a cultural performance; it was a high-stakes global product launch.

Global media hails China’s robot showcase

The Associated Press noted that humanoid robots have become a recurring Spring Festival Gala centerpiece – a clear signal of “China’s push to develop more advanced robots powered by improved AI capabilities.”

Major broadcasters like CBS praised the “seamless movements” of the units, while Spain’s El Español hailed the robots’ evolution from 2025 to 2026 as a “veritable revolution.” Last year’s robots were stiff and mechanical, but this year’s Unitree G1 units moved with fluidity and freedom, it said. The report also noted that the robots are commercial products – already available in Spain.

A window to China’s industry policies

The story of the “Gala Robot” can be traced as early as 2016 when the Shenzhen-based UBTECH debuted 540 small humanoid robots. By this year’s gala, the stage became unprecedentedly crowded with four distinct companies vying for a position.

Fueled by breakthroughs in artificial intelligence, the humanoid robotics sector has advanced at a pace beyond expectations. CMG data shows that China recorded over 140 humanoid robot manufacturers in 2025 with more than 330 humanoid robot models launched.

The explosion is a direct result of China’s humanoid industrial clusters, and this year’s performance reflects China’s industry policies, according to Reuters.

In 2025, “embodied AI” was written into China’s Government Work Report for the first time, signaling its elevation to a top-tier strategic priority. This momentum was further solidified in the Recommendations of the Communist Party of China Central Committee for Formulating the 15th Five-Year Plan for National Economic and Social Development, which identified embodied AI among “new drivers of economic growth.”

Following this central guidance, local governments across China have rapidly integrated humanoid robotics into their economic blueprints, rolling out specialized support policies and incentives to secure a leading position in this high-stakes global race.

Reshaping the global industrial landscape

In the sketch comedy, Noetix’s “Bumi” robot navigated the nuances of a family skit, using humor to bridge the gap between a machine and a companion. In the short film, the robot was shown performing chores in a real-world home.

“Ultimately, technology is meant to serve people, not just exist for the sake of the technology itself,” Unitree’s founder Wang Xingxing said in an interview with CMG.

This vision is already translating into massive market demand. Within the first two hours of the Gala’s broadcast, searches for robots on an e-commerce platform surged more than 300 percent compared to the previous period. Customer inquiries increased by 460 percent, and order volumes rose by 150 percent. The new orders covered over 100 cities nationwide, spanning from first-tier metropolises to smaller counties.

Noetix CMO Zhang Miao explained to the press that China has moved from the factory floor to the commercial channel. “The real measure of a company’s health is no longer how many robots it can build, but how many it can successfully integrate into real-world scenarios.”

A new era of robotics is now taking shape – and it is firmly rooted in China.

For more information, please click:

https://news.cgtn.com/news/2026-02-17/China-s-robots-ready-to-walk-off-the-stage-and-into-a-store-near-you-1KQnpNZa8Io/p.html

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Press Release

ChimpX AI Enters Final Presale Phase on AlphaMind, Strengthening Its BNB Chain–Powered Ecosystem

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6 hours ago

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February 18, 2026

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The blockchain industry has reached a crossroads where scalability is no longer the only challenge; the true hurdle is now usability. As the BNB Chain ecosystem demonstrates remarkable resilience in early 2026—maintaining a market cap of over $90 billion despite wider market volatility—the launch of ChimpX AI’s Mojo SuperApp marks a pivotal moment for the network. By integrating AI-driven automation with the chain’s high-performance infrastructure, ChimpX AI is positioning itself as the primary gateway for retail users to enter the “Zero-Fee” era of decentralized finance.

Building on a Titan: Why BNB Chain?

The choice to launch the Mojo SuperApp (live at app.chimpx.ai) on the BNB Chain was a calculated move by the ChimpX AI development team. In 2026, the BNB Chain has evolved beyond being “just a fast EVM.” Following the successful Fermi hard fork in January, which slashed block times to 0.45 seconds, the network is now aggressively pursuing a roadmap of 20,000 transactions per second (TPS).

However, high TPS is meaningless if the average user is still intimidated by the technical debt of Web3. This is where ChimpX AI creates value. While the BNB Chain provides the “highway,” ChimpX AI’s Mojo SuperApp provides the “autonomous vehicle.” By utilizing Account Abstraction, Mojo removes the traditional requirement for users to hold native BNB for gas—a friction point that has historically alienated millions of potential retail participants.

The ‘DefAI’ Advantage in a Recovering Market

Current market conditions in February 2026 suggest a significant structural reversal. Bitcoin has found a solid floor above $61,000, and institutional interest is rotating into utility-dense sectors like DefAI (DeFi + AI) and Real-World Assets (RWA). Within this environment, ChimpX AI stands out by offering a live, functional product during its pre-sale phase.

The “Mojo” experience allows for seamless token swaps, lending, and portfolio management without the hassle of manual fee adjustments. As BNB Chain expands its “Zero-Fee” extensions, projects like ChimpX AI are the frontline beneficiaries, capturing the influx of new users who demand a mobile-first, “Web2-easy” interface.

Final Pre-Sale Round: The Path to $4M FDV

The momentum behind ChimpX AI is undeniable. Having already sold out public IDO rounds on SPORES and Poolz Finance—even during the “sideways” market movements of early Q1—the project has now moved into its final pre-sale stage on AlphaMind.

This AlphaMind round offers $CHIMP at $0.25 per token, valuing the project at a $4 million Fully Diluted Valuation (FDV). For an ecosystem already hosting a live SuperApp and a community of thousands, this valuation is seen by many as a major market inefficiency. As the project prepares for its PancakeSwap listing in February, the pre-sale represents the final opportunity for investors to acquire $CHIMP at institutional-grade prices.

A Wealth Generation Perspective

Market analysts are closely watching the $CHIMP price outlook for 2026–2027. With BNB projected to retest its four-figure all-time highs and potentially reach $1,200+ by 2027, the tokens that provide the most utility within that ecosystem are expected to see the highest beta.

For $CHIMP, the roadmap is clear:

  • Q1 2026: Establish a strong secondary market following the PancakeSwap debut.
  • Late 2026: Scale Mojo user base to 100,000+ active wallets.
  • 2027: Integrate advanced AI agents for automated, cross-chain yield strategies.

How to Participate in the Movement

The AlphaMind pre-sale is currently the most direct way to gain exposure to the ChimpX AI ecosystem ahead of the February listing. With a maximum commitment of $15,000 per wallet and a 25% TGE unlock, the round is designed to foster a decentralized and healthy holder base.

Investors can secure their allocation at https://app.alphamind.co/ido/6989a7df51f2ab92207ec335?invite=rmzD-2dY . 

To join the discussion and stay updated on the exact PancakeSwap listing time, the community is active 24/7 on Telegram at https://t.me/chimpxofficial.

About ChimpX AI ChimpX AI is a decentralized technology firm focused on simplifying the blockchain experience through the power of Artificial Intelligence. Its flagship product, Mojo, is a gasless DeFi SuperApp that abstracts the complexities of the BNB Chain for a global audience.

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Axblade Marks Strategic Debut at Consensus Hong Kong 2026, Sets Clear Course for Compliant Finance  Infrastructure

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6 hours ago

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February 18, 2026

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Hong Kong — February 18, 2026 — Axblade, a high-performance hybrid finance protocol, made its first international appearance at Consensus Hong Kong 2026, the premier Web3 conference held February 11–12 at the Hong Kong Convention & Exhibition Centre. The debut marked the protocol’s formal entry into the global stage, distinguished by sustained engagement at its exhibition booth, senior-level dialogue, and the early disclosure of its next-phase roadmap.

Debut Draws Sustained Engagement, Spotlight on Compliance-by-Architecture

According to public remarks from Hong Kong’s Deputy Secretary for Financial Services and the Treasury, Christopher Hui, Consensus Hong Kong 2026 convened over 15,000 attendees from more than 100 countries and regions. Against this backdrop, Axblade’s exhibition booth maintained consistent traffic throughout the two-day event. All 500 Axblade units of custom merchandise were distributed amid vibrant, ongoing conversations at the booth.

Axblade Cofounder & COO Liam was on site for the duration of the conference, engaging directly with developers, institutional representatives, and compliance professionals from Asia, Europe, the Middle East, and beyond. The vast majority of conversations converged on a single structural question: how to bridge real-world assets onto chain with verifiable integrity while satisfying multi-jurisdictional regulatory requirements.

“The industry is no longer debating whether on-chain finance can be compliant—it’s asking what genuine compliance looks like at the architecture level,” COO Liam said during booth discussions. “The real dividing line is whether compliance is patched on as a constraint or embedded as a design feature. Axblade is built on the latter premise—not compliance that compromises performance, but compliance that performs. ”

What Axblade Is: A Finance Protocol Built on a Compliance-first Foundation

Faced with repeated inquiries about the protocol’s core identity, the Axblade team offered a consistent, distilled answer:

Axblade is an on-chain finance protocol engineered from the ground up for regulatory alignment.

“Compliance isn’t an add-on. It’s the foundation,” COO Liam said. “A structure without a foundation is a tent. We’re building permanent infrastructure.”

Unlike protocols that treat compliance as an access control layer or a post-hoc modification, Axblade embeds a programmable compliance framework at the base layer. This architecture enables verifiable data, programmable permissions, and auditable asset provenance—without unnecessary exposure of personal or institutional information. It is designed to support high-throughput, cross-border transactions while remaining adaptable to evolving regulatory regimes across jurisdictions.

Next Milestone: RWA Data Verification & Provenance Solution Due Q2 2026

Axblade also used its Consensus debut to provide early visibility into its next major development focus: data verification and provenance for tokenized real-world assets.

A persistent gap in today’s RWA landscape is the disconnect between asset representation on-chain and the verifiability of off-chain reality. Questions of physical existence, clear title, and continuous state validation remain largely unstandardized and unsolved.

Axblade confirmed that an institutional-grade framework for RWA data verification and provenance is in advanced development, with formal release targeted for Q2 2026. The solution is expected to combine zero-knowledge proofs, decentralized identity primitives, and on-chain state synchronization to establish cryptographically anchored assurances for real-world assets.

“Tokenizing an asset isn’t about putting a PDF on IPFS,” COO Liam noted. “True RWA integration means every unit of on-chain value retains a deterministic link to its off-chain source of truth.”

About Axblade

Axblade is a high-performance, hybrid finance protocol purpose-built to bridge real-world assets and on-chain liquidity. Through a compliance-native architecture and settlement-grade execution environment, Axblade enables capital to be issued, composed, and deployed across borders—programmably, transparently, and in alignment with regulatory requirements. Its long-term vision is to serve as foundational infrastructure for the next generation of on-chain finance.

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