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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

German Entrepreneur Felix H Mohr on Discipline, Founder-Led Marketing, and the Rise of Practical Business Education

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With ventures across marketing, education, and property, the 34-year-old entrepreneur explains why accessible business knowledge matters more than ever.

Hong Kong, 18th November 2025, ZEX PR WIRE– Felix H Mohr, a German entrepreneur known for his work across marketing, education, and fintech-related ventures, is gaining attention for his mission to make practical business knowledge accessible to everyone. At 34, Mohr has founded and built companies across multiple sectors, drawing from nearly a decade of experience in entrepreneurship, branding, and early-stage startup development.

Born in Germany and certified as a fintech professional by The University of Hong Kong, Mohr began his career working in international business management and marketing before moving into entrepreneurship full-time. Over the years, he has operated in industries ranging from digital marketing to property and education technology, giving him a broad, multidisciplinary perspective on what modern founders actually need to succeed.

Today, his focus centers around one theme: helping people understand business in a simple, practical, and applicable way. Through daily video content, educational posts, and long-form publications, Mohr breaks down concepts such as branding, discipline, founder-led marketing, and the realities of building something from scratch — topics he believes most new entrepreneurs misunderstand.

“People overcomplicate business,” Mohr explains. “Most of the time, success comes down to learning quickly, communicating clearly, and being disciplined enough to keep going when it gets hard. Everything else is learnable.”

Mohr’s approach emphasizes discipline, consistency, and transparency. He frequently shares insights from his own entrepreneurial journey — from early jobs to operating agencies and building his newest ventures — with the goal of showing how real founders think, work, and evolve. His philosophy is rooted in the belief that business knowledge shouldn’t be hidden behind paywalls or corporate jargon but shared openly so more people can benefit from it.

A key part of Mohr’s message is the power of founder-led marketing, a concept that suggests audiences trust people more than brands. In an era where consumers follow entrepreneurs more closely than the companies they run, Mohr argues that every founder should treat their personal brand as their most valuable asset.

“People buy from people they trust,” he says. “You can spend thousands on ads, but one authentic video from the founder often does more than an entire campaign. The earlier founders learn to communicate publicly, the faster they grow.”

Mohr produces content daily across platforms like Instagram, YouTube, TikTok, X, and LinkedIn — showing the process, sharing lessons, and documenting how a modern founder navigates challenges. His consistent presence has become a core part of the educational work he is building, providing practical insights that help people understand business in a simple and applicable way.

Beyond marketing and education, Mohr also emphasizes the mindset required to build long-term success. Discipline, he says, is the differentiator that separates those who try entrepreneurship from those who make it work.

“Most things in business are solvable,” Mohr notes. “If you’re willing to stay in the game, push through discomfort, and keep learning, you give yourself a real chance. Discipline wins where motivation fails.”

As Mohr continues to grow his digital presence and media footprint, he remains focused on the mission that has shaped his work for years: making business knowledge simple, accessible, and usable for anyone willing to learn.

For more information about Felix H Mohr, visit https://felixhmohr.com or follow him on Instagram at @FelixHMohr.

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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

45% Off ViWizard Black Friday Deals – Win Special Prizes!

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Hong Kong, 18th November 2025, ZEX PR WIRE

From November 17th to December 5th, ViWizard is rolling out huge savings across the entire product lineup. Get ready for another unforgettable Black Friday with ViWizard and get a straightforward 45% off discount on all top-rated converter and media tools, along with an upgraded interactive “gift box” event where customers can win 20%–35% OFF on its All-in-One Streaming Music Converter, which is worth $809.95 for a lifetime license. With more chances to save than ever, now is the perfect time to shop.

 viwizard black friday

For full details on the promotion, visit ViWizard’s dedicated Black Friday activity page: https://www.viwizard.com/special/

Check Out ViWizard’s 2025 Black Friday Special Deals

This year’s Black Friday event includes both single-product deals and special multi-app bundles designed for users who want to download, convert, and manage music and media across multiple platforms. Newcomers and returning customers are all welcome to join the campaign by exploring this year’s single-product offers and discounted bundles available sitewide.

The promotional entry is easy to find. Visit the Black Friday page directly or go to any page on the ViWizard website and follow the bottom-banner navigation or the promotional entry at the top right. For customers who want to purchase directly, select the product and click “Buy”. Up to 45% off applies automatically at checkout with no extra requirements. All licenses purchased during the promotion come with free updates and technical support.

ViWizard 9-in-1 Music Converter: Open the Gift Box for a Chance to Save More

The ViWizard 9-in-1 Music Converter takes center stage in this year’s ViWizard Black Friday & Cyber Monday event. This all-in-one toolkit combines nine powerful music downloading and converting tools, designed for users who want to handle music and audio content across multiple platforms. Together, these nine products are worth over $809.95 for a lifetime license.Users can click any of the animated gift boxes to unlock a special discount. The gift will shake, burst open with ribbon effects, and finally reveal your winning offer:

  • 35% OFF (Original Price: $199.95, Now: $129.95)

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Each customer has 3 chances to open a gift and claim an exclusive offer, increasing the chance of winning the highest 35% off discount to save $70 on ViWizard Streaming Audio Recorder. After all attempts, customers will unlock multiple discounts and can choose the one thatsuits you best. You’re guaranteed to save at least $40.

Up to 45% OFF Discounts on ViWizard Products

For customers who plan to purchase single products, there are even more optimized deals available this Black Friday, including the returning ViWizard Netflix Video Downloader:

  1. Spotify Music Converter: Saves tracks, albums, playlists, podcasts, and audiobooks from Spotify to standard audio formats.

  2. Apple Music Converter: Converts Apple Music tracks, iTunes songs, and other protected audio files to common formats.

  3. Amazon Music Converter: Downloads and converts music from Amazon Prime Music, Music Unlimited, and Amazon HD.

  4. Tidal Music Converter: Downloads songs from any Tidal tier in high-quality audio.

  5. SoundCloud Music Converter: Saves SoundCloud tracks as widely supported audio files.

  6. Audible Converter: Converts Audible AA/AAX audiobooks into DRM-free formats.

  7. Audio Capture: Records audio from apps and browsers on Windows or macOS.

  8. iTunes Video Converter: Converts purchased or rented iTunes M4V movies and TV shows to MP4.

  9. Netflix Video Downloader: Downloads movies, episodes, and shows from Netflix directly to your computer.

If you already use or love many of these media tools, this may be the perfect time to consider the ViWizard All-in-One Music Converter for added value.“ViWizard is committed to providing powerful, easy-to-use, and affordable media solutions,” said Adam Gorden, Marketing Manager at ViWizard. “This Black Friday, we are excited to bring a brand-new interactive experience and the best deals of the year as a sincere thank-you to our loyal customers.”

About ViWizard

ViWizard is a leading provider of media conversion and downloading software solutions, trusted by users in over 150 countries. Our innovative products, including Spotify Music Converter and Netflix Video Downloader, are designed to work seamlessly on Windows and Mac. We’re committed to providing excellent service and support, ensuring you get the most from our tools.YouTube: https://www.youtube.com/@viwzardFacebook: https://www.facebook.com/viwizardsoft/Twitter: https://twitter.com/viwizard_soft

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Press Release

Healing Through Horses, Art, and Reintegration: Baz Nixon Champions Veteran-Focused Nonprofits

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Colorado, US, 18th November 2025, ZEX PR WIRE, In a world where the challenges faced by veterans extend far beyond their years of military service, one man is quietly helping bridge the gap between sacrifice and support. Baz Nixon, a former U.S. Air Force logistics and contracting officer, has built a second career that continues his lifelong mission of service. Through his consultancy, Blue Sky Grant Services, LLC, Nixon partners with nonprofits that serve veterans and at-risk populations, ensuring they have the funding and resources needed to make a lasting impact. From equine-assisted therapy to art-based healing and reintegration programs for justice- involved veterans, Nixon’s work uplifts organizations that stand at the forefront of meaningful change. His contributions reflect the same principles that defined his two decades in uniform — discipline, purpose, and a steadfast commitment to those who serve.

A Mission That Didn’t End with Retirement

After more than 20 years in the U.S. Air Force, Baz Nixon retired from military service with a deep understanding of leadership, logistics, and human resilience. His career had taken him across the globe, from humanitarian relief efforts in Sumatra to multimillion-dollar contracting operations during the War on Terror. When his service concluded, Nixon faced a familiar question many veterans encounter: what comes next? For him, the answer lay in continuing his mission — just in a different capacity. He founded Blue Sky Grant Services, LLC to help nonprofit organizations navigate the complex world of funding and compliance. His expertise in government processes and program development positioned him perfectly to support nonprofits serving the very people he had worked alongside for decades.

“I wanted to continue helping those who dedicate their lives to serving others,” Nixon said. “Many veteran-focused organizations have powerful missions but limited access to funding. My goal is to make sure those programs not only survive but thrive.”

Healing Through Horses: Restoring Trust and Strength

Among Nixon’s clients is a nonprofit dedicated to equine-assisted therapy, a program that helps veterans cope with post-traumatic stress, anxiety, and emotional trauma. Through structured interaction with horses, participants rebuild confidence, trust, and emotional
balance in a supportive environment.

For many veterans, traditional therapy can feel intimidating or detached. Working with animals provides a unique path to healing that bypasses stigma and creates space for genuine connection. Nixon has helped secure grants that keep this program running, allowing it to expand its reach and serve more veterans across multiple communities. “The transformation that happens in these programs is remarkable,” Nixon shared. “Horses respond to authenticity and calmness, and that interaction mirrors what many veterans are seeking as they rebuild their lives.”

The Power of Art in Healing

Another organization Nixon supports uses art as a therapeutic outlet for veterans processing trauma or adjusting to civilian life. The program encourages creativity through painting, sculpture, and writing, giving participants the tools to express what words often cannot. “Art gives veterans a way to reclaim their voice,” Nixon said. “Every brushstroke or written line becomes part of their healing journey.” Nixon’s guidance in identifying and securing grant opportunities has allowed this art therapy program to expand workshops, purchase materials, and collaborate with local artists. Beyond funding, he offers insight into structuring these initiatives for long-term sustainability.

Reintegration and the Road Home

In recent years, Nixon has focused on helping nonprofits that work with justice-involved veterans — men and women who have faced legal challenges following their service. For many, the road to reintegration is steep, marked by stigma, unemployment, and mental health struggles. Through workforce training, counseling, and mentorship, these organizations provide pathways toward redemption and reintegration. Nixon helps them secure the resources needed to scale their efforts, ensuring more veterans have access to second chances.
“Justice-involved veterans deserve the opportunity to rebuild their lives,” Nixon emphasized. “Their service doesn’t vanish because they stumbled. Reintegration programs allow them to rediscover purpose and contribute meaningfully to society.”

$12 Million in Funding and Counting

To date, Nixon has supported over 360 grant proposals, helping nonprofits secure more than $12 million in funding. While not all of that total is veteran-specific, a significant portion directly impacts programs serving justice-involved individuals and other at-risk populations. His track record demonstrates not just skill but a deep belief in the potential of nonprofit organizations to drive measurable change. Nixon’s approach combines the precision of military planning with the compassion of community service. He works closely with nonprofit leaders to understand their missions, refine their goals, and craft compelling funding proposals. His process ensures that every

project aligns with the organization’s long-term vision and meets the standards of government and private grant providers.

“I see my clients as partners in a shared mission,” Nixon said. “When they succeed, communities heal, veterans recover, and society grows stronger.”

A Lifelong Commitment to Service

What makes Nixon’s work unique is his ability to bridge two worlds — the structured, mission-driven environment of the military and the purpose-driven, often under-resourced world of nonprofits. His leadership ensures that programs rooted in compassion also operate with precision and accountability. Colleagues describe him as a professional who leads with both heart and discipline. Whether he is refining a grant proposal, advising on compliance, or advocating for a veteran support initiative, Nixon brings the same intensity and attention to detail that defined his military career. “Every veteran I work to support represents someone I might have served with,” Nixon reflected. “That personal connection drives me to make sure the organizations that help them have what they need.”

Looking Forward: Building Stronger Nonprofits

As Baz Nixon continues his work, he envisions a future where more nonprofits can focus less on survival and more on impact. He advocates for stronger collaboration between government agencies, private funders, and community organizations to ensure veterans
receive comprehensive support across mental health, housing, education, and employment. He also emphasizes the importance of innovation in nonprofit programming. Whether through equine therapy, creative arts, or reintegration initiatives, Nixon believes that holistic approaches hold the key to lasting recovery. “Veterans deserve more than just services — they deserve solutions,” he said. “Nonprofits are uniquely positioned to deliver those solutions because they understand the human side of the mission.”

About Blue Sky Grant Services, LLC

Blue Sky Grant Services, LLC is a consultancy founded by Baz Nixon that specializes in helping nonprofit organizations secure funding and strengthen program operations. With deep expertise in grant writing, compliance, and organizational strategy, the firm supports nonprofits serving veterans, justice-involved individuals, at-risk youth, and animal welfare programs. Blue Sky Grant Services has helped clients secure more than $12 million in funding through hundreds of successful grant proposals. The company’s mission is to empower organizations that make a difference in their communities by providing them with the tools, resources, and funding to achieve lasting impact.

For more information, please feel free to visit https://www.blueskygrantservices.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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