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

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

The change of cross-border payment

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

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

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

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

Traditional payment giants are  fostering digital currency payment

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

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

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

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

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

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

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

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

Cryptoasset service providers speed up the participation in payment

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

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

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

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

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

2. Only available in a small number of areas

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

4. Charge a certain percentage of the annual fee

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

How to apply for HyperCard?

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

c Submit KYC documents and pass the certification

d HyperCard received

Conclusion

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

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

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Press Release

Seal Skin Covers Reinforces Customer-First Approach Through Community Feedback and Continuous Product Enhancements

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New York, US, 22 Nov 2025, ZEXPRWIRE, Following their recent spotlight feature, “Seal Skin Covers: Building a Legacy of Protection and Purpose,” the team behind Seal Skin Covers is underscoring its long-standing commitment to customer experience by highlighting how ongoing product refinements, service improvements, and policy updates are being shaped directly by customer conversations in online communities. Since its founding in 2005, Seal Skin Covers has built a reputation for creating durable, waterproof, and custom-fit protective covers for cars, boats, motorcycles, and outdoor furniture. Central to the company’s ongoing success is a focus on listening to customers and using their feedback to refine products, enhance support, and improve policies.

Customer Feedback at the Core

“Real feedback from our customers drives everything we do,” said the team at Seal Skin Covers. “For example, one Reddit user noted that their jet ski cover offered a ‘perfect fit’ and praised our drawstring design for keeping it secure at the waterfront. Another shared that our lounge covers ‘fit perfectly’ after we triple-checked measurements with them. On Trustpilot, customers have called our team ‘amazing’ and highlighted exceptional service from exceptional staff. These insights help us improve sizing, materials, and support for every purchase.”

The company actively monitors reviews and discussions across multiple platforms, including their Facebook Community and Reddit forum, where thousands of customers share reviews, questions, and suggestions in real time. This feedback loop informs improvements in product quality, shipping practices, and customer service, ensuring Seal Skin Covers maintains a competitive edge in both reliability and support.

Commitment to Quality and Support

Seal Skin Covers’ commitment to quality extends beyond the products themselves. Every cover is tested for fit, durability, and weather resistance, and customer service representatives provide personalized assistance for custom and semi-custom options. The company’s policies are designed to protect buyers’ investments, reflecting a focus on transparency, responsiveness, and customer satisfaction.

A Focus on Exceeding Expectations

“Our goal has always been to exceed expectations,” said the team. “By listening carefully to our customers and acting on their feedback, we not only create better products but also provide support and policies that build trust and confidence.”
Today, with nearly one million satisfied customers, Seal Skin Covers continues to refine its products and services, ensuring that quality, fit, and reliability remain at the forefront of the brand.

About Seal Skin Covers
Founded in 2005, Seal Skin Covers designs and manufactures durable, waterproof, and UV-resistant protective covers for cars, boats, motorcycles, and outdoor furniture. The company’s focus on customer feedback, product quality, and responsive service has earned it a loyal customer base across the United States.

Press Contact: 
info@sealskincovers.com

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

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KAPLL Introduces Investor Protection Insurance Mechanism, Safeguarding Investments in Extreme Scenarios

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Professional stock trading platform KAPLL has announced the introduction of an investor protection insurance mechanism designed to provide a clear, enforceable, and verifiable compensation path for rare but high-impact extreme events. The framework operates without altering the fundamental “market risk borne by investors” principle, reinforcing account security and post-trade reliability.

The initiative is built on three pillars: enhancing resilience through layered protection, increasing transparency through well-defined contractual terms, and improving efficiency through standardized resolution procedures. KAPLL plans to prioritize alignment with local investor compensation schemes in all compliant operating markets, using these as the foundational layer to cover asset losses resulting from member default or custodial shortfalls. On top of that, the company intends to introduce commercial insurance tailored to brokerage activities, creating a secondary safety net for client assets.

Taking common U.S. market practices as a benchmark, KAPLL expects to offer member clients asset protection of up to USD 500,000, and is evaluating the introduction of “excess insurance” that could raise the total per-account coverage limit to as high as USD 30 million. All figures are indicative and subject to local regulatory environments and finalized policy terms, without constituting a binding commitment for any specific market.

To reduce the evidentiary burden on clients, claims will be supported by seamlessly linked records across account ledgers, settlement receipts, custody logs, and the post-trade processing system of the platform. In markets integrated with central depository or clearing records, these documents may be incorporated as verification sources, shortening assessment timelines and accelerating compensation.

The investor protection insurance mechanism is not a substitute for risk management but rather the fourth line of defense alongside account security, clearing and custody safeguards, and internal compliance controls. Its purpose is to ensure that in extreme circumstances, investors have access to a clear, actionable, and verifiable compensation pathway.

The rationale of KAPLL for advancing this framework is straightforward: to transform its safety commitments into contractual, digital, and auditable capabilities. Investment always entails risk—but with sound institutional design, even low-probability, high-impact events can follow a predictable resolution process. Clear boundaries, defined limits, and enforceable timelines constitute the most direct response to long-term trust.

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Press Release

KAPLL Announces Upgrade to Multi-Layer Security Architecture, Safeguarding Trading and Asset Protection

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Professional stock trading platform KAPLL has announced a comprehensive upgrade to its multi-layer security architecture, structured around five key principles: trusted identity, robust network, resilient applications, controllable transactions, and verifiable operations. The enhanced framework establishes an end-to-end security defense spanning account opening, login, transaction execution, clearing, and notification processes. With a focus on engineering implementation and real-time responsiveness, the upgrade significantly strengthens overall safeguards for accounts, transactions, and data.

The upgraded system is driven by a risk-adaptive core mechanism. On the application side, security adopts a dual focus on “shift-left” and “rollback readiness.” At the trading and risk-control layer, real-time engines have been reconstructed to achieve “millisecond-level detection and minute-level review.” Data and privacy protection follow the principle of “minimal sensitivity,” while the platform maintains continuous coordination with external threat intelligence to update rules and models, preserving agility in detecting emerging risks.

True security lies not in post-event explanations but in preemptive interception, real-time control, and verifiable outcomes. By integrating multi-layer defense with live risk monitoring, security becomes an intrinsic part of every transaction rather than an optional feature.

This upgrade transforms “security commitment” into a “verifiable reality.” Every sensitive action—from account access and order submission to fund transfers—is enveloped within a measurable and traceable protection network. When anomalies arise, the system intervenes proactively, closes the response loop rapidly, and produces results that can be independently audited.

The platform emphasized that its security capabilities are not defined by isolated functions but by cross-layer coordination and response efficiency. The ultimate goal is for investors to experience tangible improvements—more stable logins, more reliable transaction paths, and a consistently seamless settlement process.

The upgrade of the multi-layer security framework is not merely a technical overhaul but a long-term pillar of platform governance. Looking ahead, the security capabilities will evolve in parallel with business growth. Amid shifting market structures, regulatory expectations, and technological paradigms, the security system of the platform will remain self-adaptive and continuously renewed.

KAPLL will continue to place security and compliance at the forefront of its development trajectory, upholding market confidence through deterministic technology and transparent mechanisms—ensuring every transaction remains measurable, traceable, recoverable, and, above all, trustworthy.

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

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