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
Karviva and Founder Dr. Angela Zeng Featured in 2026 USA TODAY Food as Medicine Edition.
Full-page feature highlights founder Dr. Angela Zeng’s approach to combining traditional wellness principles with modern nutrition
Saint Louis, MO, United States, 17th Oct 2026 – Karviva, the functional beverage company founded by Dr. Angela Zeng, is featured in the 2026 USA TODAY Food as Medicine special edition, with a full-page feature appearing on page 23 in both the digital and print editions. According to information provided by USA TODAY, approximately 250,000 printed copies of the special edition are expected to be in circulation. The feature highlights Dr. Zeng’s background as a medical scientist, her family’s generations-long connection to Traditional Chinese Medicine, and the thinking behind Karviva’s whole-plant beverage portfolio.

The feature, titled “Why a Medical Scientist Built a Gentler Cleanse,” explores Dr. Zeng’s personal and professional path and the ideas that led her to create Karviva. It highlights the company’s use of whole-plant ingredients, including fruits, vegetables, sprouts, herbs, and botanicals, as well as its approach to developing juice products without added sugar or harsh laxatives.
Dr. Zeng founded Karviva after combining her scientific training with the traditional wellness practices she grew up around. Her background includes a Ph.D. in Pathology and training in evidence-based nutrition, while her family history introduced her to Traditional Chinese Medicine from an early age.
“A cleanse should not feel like a punishment,” said Dr. Angela Zeng. “It should give you space to hydrate, simplify your meals, and pay attention to what your body needs.”
The USA TODAY appearance adds to a series of recent milestones for Dr. Zeng and Karviva. Dr. Zeng’s debut book, The Balance Cure: The TCM Way to Lasting Weight Loss, has reached the No. 1 bestseller position in Amazon’s Holistic Medicine category. The book explores Traditional Chinese Medicine alongside modern nutrition and introduces readers to five TCM body patterns, self-assessments, seasonal observations, recipes, and lifestyle reflections.
Karviva has also recently received recognition from Good Housekeeping, with the company’s Profit Cacao Whole Plant Protein & Prebiotic Smoothie selected as a winner of the 2026 Snack Awards. The recognition followed evaluations by the Good Housekeeping Institute Nutrition Lab and consumer testing as part of the award program.
The new USA TODAY feature offers readers a closer look at the founder behind Karviva and the ideas that continue to shape the company’s approach to functional beverages.
About Dr. Angela Zeng
Dr. Angela Zeng, Ph.D., MBA, is a food scientist, Traditional Chinese Medicine scholar, and founder and CEO of Karviva. Born into generations of Chinese herbal practitioners and trained in pathology, biochemistry, and evidence-based nutrition, she combines traditional wellness principles with modern nutritional science through her work as an entrepreneur, author, and speaker. She is the author of The Balance Cure: The TCM Way to Lasting Weight Loss.
About Karviva
Karviva is a St. Louis-based functional beverage company founded by Dr. Angela Zeng. Inspired by Traditional Chinese Medicine and modern nutritional science, the company develops plant-based beverages using whole-food ingredients, botanicals, and prebiotic fiber. Its portfolio includes juices, protein smoothies, hydration beverages, and other functional drinks.
Media Contact
Organization: Karviva
Contact Person: Dr. Angela Zeng
Website: https://karviva.com/
Email:
angela@karviva.com
City: Saint Louis
State: MO
Country: United States
Release id: 49986
View source version on King Newswire:
Karviva and Founder Dr. Angela Zeng Featured in 2026 USA TODAY Food as Medicine Edition.
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
U-topia Launches Public Beta as Global Builders Gather for U-Hackathon
Financial technology company opens its app in more than 50 countries during FLOW Summit as 500-plus builders develop AI and Web3 products
BANGKOK, Oct. 17, 2026, ZEX PR WIRE — U-topia, a financial technology company building a self-custody app for everyday money movement, has opened its public beta in more than 50 countries. The company announced the launch at FLOW Summit 2026, held Oct. 15-16 at Avani Sukhumvit Bangkok, five years after U-topia was founded.

More than 700 people attended the two-day launch, including technology entrepreneurs, developers and community members from several countries. The program combined U-topia product demonstrations and company updates with U-Hackathon, a global build program focused on practical AI and Web3 products.
“Five years ago, I set a simple standard: if my mother could not use the product without calling me for help, it was not ready,” said Emmanuel Quezada, founder and CEO of U-topia. “Opening the beta with people from around the world, while hundreds of builders were creating new tools beside us, brought that idea to life. Our goal is to make moving money as simple as sending a message while keeping people in control.”
A public beta designed around everyday use
U-topia is designed to let eligible users hold, send, spend, convert and withdraw digital and everyday currencies through one mobile app. Users can send funds to another U-topia user through a U-Tag, a simple @name that replaces a long wallet address. The company says funds remain under the user’s control rather than being held by U-topia.
The public beta follows private alpha and closed beta testing with community members and ambassadors. Feature availability varies by country. Account opening, card issuance and transactions remain subject to age requirements, identity verification, partner rules and local law. U-topia is not a bank or card issuer; card and local currency services are provided through licensed partners where available.
U-Hackathon brings global builders to Bangkok
FLOW Summit also hosted U-Hackathon on Oct. 15-16. Organizers said the event attracted more than 500 hackers and builders from around the world. Teams worked through a 24-hour build period with product, engineering and design mentors before presenting working prototypes in two tracks: artificial intelligence and Web3. The program extended the app launch into a working forum for new products, technical collaboration and international builder participation.
The competition recognized three teams in each track. Organizers valued the combined awards at more than 2.5 million Thai baht, including the advertised THB 1 million core prize pool, partner bounties and technology credits. UBotPay, an AI-powered payment agent built for Web3, won first place in the Web3 track. U-Reach, an AI-powered marketing, sales and customer relationship management platform, took first place in the AI track.
U-Hackathon was sponsored by ElevenLabs, Tokenomist AI and DTC Group, in association with Avalanche, Team1 Thailand, Yellow.com, ContributionDAO, CUBS Chula and Hooray. Judges selected projects on merit, and members of the U-Center DAO community voted live for the grand prize.
The summit also included a preview of U.bot, a related AI venture from members of U-topia’s founding team. U.bot is being developed as a user-controlled orchestration layer that can select among AI models and coordinate specialized agents. Its long-term roadmap aims to create a more capable personal AI experience with characteristics the team associates with superintelligence; those advanced capabilities are planned and are not currently available.
About U-topia
Founded on Oct. 16, 2021, U-topia is a financial technology company building a self-custody mobile app intended to help people hold, send, spend, convert and withdraw digital and everyday currencies while retaining control of their funds. U-topia is not a bank and does not issue cards. Availability and features vary by country and are subject to partner requirements and local law. Learn more at www.u-topia.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.
Press Release
From Karmayogi to the World Stage: Dr. Hemant Garg Wins “Excellence in AI for Public Policy”, Charts India’s Path to the AI Big League
Civil servant, researcher and AI pioneer tells the 3rd World AI Summit, Bengaluru, that people-first, sovereign AI can make India a global AI leader
Bengaluru, India, 16th October 2026, ZEX PR WIRE — Dr. Hemant Garg, Deputy Director (Legal), Employees’ State Insurance Corporation (ESIC), Ministry of Labour and Employment, Government of India, received the “Excellence in AI for Public Policy” award at the 3rd World AI Summit in Bengaluru on 14–15 October 2026, placing an Indian public-policy voice at the centre of the global debate on how AI should serve people.

Dr. Garg described all of his work, from AI agents for government to AI-led labour law outreach, as an effort to help realise Hon’ble Prime Minister Shri Narendra Modi’s vision of Viksit Bharat@2047, under the leadership of Hon’ble Union Labour and Employment Minister Dr. Mansukh Mandaviya, whose Shramev Jayate reforms, Labour Codes and Ease of Doing Business drive set the direction. The goal, he said, is an Atmanirbhar Bharat in AI, built on a Bharat AI Stack: Indian large language models such as Sarvam, the Bhashini platform serving citizens in their own languages, and home-grown agents and talent under the IndiaAI Mission, taking India into the global AI league.
Held with Digital India, the National e-Governance Division (NeGD) and the Karnataka Digital Economy Mission (KDEM) as partners in Bengaluru, India’s startup, IT and now AI capital, often called India’s Silicon Valley, the Summit was themed “AI for All: Accelerating India’s Journey Towards Inclusive, Responsible and Future-Ready AI”.
The award honours his creation in 2023 of “IFSCA Karmayogi”, the first AI agent at the International Financial Services Centres Authority (IFSCA), GIFT City, and his research on AI in anti-money laundering, the Labour Codes and algorithmic management of gig workers.
On the panel “AI for All – India’s Journey to a Sovereign, Inclusive AI Future”, with Shri Aman Mittal, IAS, Dr. BVRC Purushottam, IAS and Prof. (Dr.) T. G. Sitharam, former Chairman, AICTE, moderated by Dr. Ravi Gupta, Dr. Garg said inclusive AI must include the worker, and that India can blend Europe’s rights-based approach, US-style audits and Singapore’s skilling model through its Labour Codes, the DPDP Act and e-Shram.
His keynote, “AI, Employment & Skills: Building a Future-Ready Workforce for India”, presented as “From Files to Foresight”, began with a worker disabled in an accident, or a family that has lost its breadwinner, whose care and pensions depend on ESIC, EPFO, the Ministry of Labour and Employment and the National Health Authority. “The true test of AI in government is how quickly that family receives its benefits, and whether it is treated with dignity on the way,” he said.
He traced three waves of governance: e-Governance, which put paper online; Digital Governance, built on India’s digital public infrastructure; and now AI-enabled Intelligent Governance, where benefits reach eligible citizens without their having to apply.
Dr. Garg propounded that AI will change tasks first, then jobs, then institutions and the workforce, and called for institutions for AI governance, impact assessment and exposure mapping to curb job attrition, support reskilling and compensate workers in transition. e-Shram, ESIC and EPFO, now reaching gig and platform workers, can extend social security to those left out, while indigenous models such as Sarvam and Bhashini can grow home-grown AI talent under the IndiaAI Mission.
Government AI, he said, must be lawful, explainable and accountable; “a pattern is not proof”; and India must guard against a new colonisation “not by ships, but by servers”. He proposed “Five Ts”: Trust, Transparency, Talent, Thin and safe data, and Tested-then-scaled.
An LLB, LLM and Ph.D., and an IIT Delhi CTO Programme alumnus with nearly two decades in public service, including Punjab’s Department of Cooperation, Dr. Garg has researched digital governance in governments and cooperatives extensively; his work is published internationally, taught in universities and presented at Oxford, Harvard and Cambridge.
“Not artificial intelligence replacing governance, but intelligent governance that remains deeply human,” he concluded.
Connect with Dr. Hemant Garg on LinkedIn: https://in.linkedin.com/in/dr-hemant-garg-2b26699
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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