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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

Paul Bowman Knoxville Brings Historical Discipline to Nonprofit Leadership

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Tennessee, US, 1st February 2026, ZEX PR WIRE, Paul Bowman of Knoxville views fundraising through the lens of a historian. For over thirty years, he has brought structure, continuity, and a deep respect for precedent to the nonprofit world. His leadership style reflects his training as a history instructor and his long experience in development roles across higher education, social services, and faith-based foundations.

Educated at Lee University and the University of Memphis, Bowman has spent much of his career helping organizations plan for the future while honoring the past. He sees parallels between historical research and fundraising strategy: both demand thorough documentation, context awareness, and long-term thinking.

“In history, you don’t act on guesses,” Bowman says. “You document sources, understand timelines, and look at cause and effect. Fundraising is the same.”

As a nonprofit executive, Bowman uses this approach to guide policy, engage donors, and design fundraising systems that endure beyond any one campaign. He believes sustainable development depends on more than charisma or urgency. It requires institutional memory, consistent planning, and clear records—principles rooted in his academic discipline.

This mindset has shaped Bowman’s leadership at the Holston Conference Foundation, where he served as President and CEO. There, he helped build endowment strategies and legacy programs that reflected both donor intent and organizational goals. His work ensured that gifts aligned with mission, documentation supported decisions, and communication remained steady at every stage.

Bowman also brings historical insight into board development and team training. He encourages organizations to see fundraising not as a series of transactions, but as a process shaped by culture, values, and past decisions. When new leaders or staff members join, he supports onboarding that includes historical context. What commitments have been made? What strategies have worked? Where have shifts occurred?

This level of depth helps organizations avoid repeating mistakes or discarding effective practices. It also strengthens trust with donors, who see that their contributions are part of a thoughtful, consistent framework.

Bowman’s teaching experience reinforces his communication skills. As an adjunct history instructor, he has worked with students online and in person, translating complex topics into clear takeaways. That same clarity defines his donor outreach. He avoids jargon and focuses on shared understanding. Whether discussing a major gift or a planned legacy, Bowman ensures both sides know what to expect.

His approach does not rely on trends. It rests on structure. That makes it resilient—especially in times of transition or uncertainty. By grounding leadership in context and continuity, Bowman helps nonprofits stay focused on mission and purpose, even as goals evolve.

About Paul Bowman
Paul Bowman Knoxville is a nonprofit executive and history instructor with over three decades of experience in development leadership. His career spans higher education, social services, and faith-based foundations. Known for his structured and transparent approach, Bowman helps organizations build lasting fundraising programs rooted in clarity and context.

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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

REI Accelerator Champions the Rise of Creator-Led Capital in Real Estate

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  • From Austin, Texas, REI Accelerator is helping content creators turn trust into investment capital—one deal at a time.

Austin, TX, 1st February 2026, ZEX PR WIREREI Accelerator is raising awareness around a fast-growing shift in the real estate industry: the rise of creator-led capital. With more creators building loyal audiences through YouTube, podcasts, newsletters, and social platforms, a growing number are now turning that trust into real estate investing power.

“The best fundraisers today aren’t always from finance,” said a spokesperson from REI Accelerator. “They’re the ones who’ve been teaching, sharing, and showing up for their audience for years. Capital is following trust.”

According to REI Accelerator Reviews, the trend is clear. Creators with small but loyal followings are quietly raising hundreds of thousands, even millions, in private capital without traditional marketing funnels. This model flips the script on outdated fundraising methods by putting education and transparency first.

The Data Behind the Trend

The creator economy is now worth over $250 billion globally, with more than 50 million people identifying as creators. At the same time, platforms like CrowdStreet report that 70% of real estate deals now involve direct-to-investor outreach, signaling a shift away from exclusive capital networks.

This new wave of entrepreneurs isn’t selling courses. They’re structuring deals.

“We work with creators who don’t want to sell hype,” said REI Accelerator. “They want to offer real value. We help them build clean systems and raise money the right way.”

Empowering Everyday Experts to Enter REI

REI Accelerator is using its platform to help more creators understand how to raise capital legally and effectively. That includes:

  • Educating on SEC-compliant deal structures

  • Coaching on investor communications and expectations

  • Helping creators avoid common legal and branding mistakes

  • Supporting scalable fundraising with systems that grow with them

“Most of the creators we help have never raised a dollar before,” shared REI Accelerator Reviews. “But they have an audience that trusts them. That’s a better starting point than cold leads.”

Why This Matters

This model opens the door for a more inclusive investor class. Instead of relying on family money or legacy networks, creators can build their own communities and fund their own deals.

It also helps investors feel more connected. People want to back people they know—not just faceless operators.

“The creators we work with are transparent,” REI Accelerator said. “They show their process. They share their numbers. That builds real confidence.”

Call to Action: Start Building Trust Before Capital

REI Accelerator isn’t calling for more ads or funnels. Their advice is simple:

Start sharing before you start raising.

  • Post content that teaches.

  • Build a waitlist early.

  • Talk about what you’re learning.

  • Keep it real.

  • Grow slow and steady.

“Raising capital doesn’t start with a pitch,” they say. “It starts with showing up. The rest follows.”

About REI Accelerator

REI Accelerator is a real estate coaching and systems-building program that helps new operators scale with confidence. Based in Austin, Texas, the company specializes in helping investors set up repeatable deal systems, raise private capital responsibly, and lead with integrity. REI Accelerator Reviews have made the program a trusted name for content creators, solo GPs, and new fund managers who want to build long-term success—without the hype.

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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

Gary Mazin Highlights How System Strain Is Affecting Toronto Residents

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  • Gary Mazin of Toronto, Canada, outlines how broader pressures in the personal injury system are being felt at a local level.

Toronto, Canada, 1st February 2026, ZEX PR WIREOngoing strain across Canada’s civil justice and healthcare systems is having a direct and growing impact on individuals in the Greater Toronto Area, according to Gary Mazin, owner of Mazin & Associates. Drawing on his experience in personal injury law, Mazin is pointing to how national and provincial pressures are translating into everyday realities for local residents.

“People experience these systems locally, not in the abstract,” Mazin says. “What happens at a national level shows up in neighbourhood timelines, hospital visits, and court schedules.”

How a Broader Issue Shows Up Locally

In Ontario, civil court backlogs remain elevated. Publicly available data indicate that civil matters in the Toronto region are taking 25–35% longer to move through early stages than they did before 2020. Some personal injury-related proceedings are taking 6 to 12 months longer than earlier averages.

Healthcare capacity is also a factor. In the Toronto Central region, wait times for certain non-emergency assessments have increased by approximately 18–22% year over year, adding layers of delay to already complex processes.

“Stress doesn’t disappear,” Mazin notes. “It accumulates. You see it most clearly in large urban centres like Toronto.”

Digital communication has become dominant as well. Estimates suggest that more than 70% of legal and administrative communication in Ontario is now handled electronically. While this has increased access, it has also raised expectations for speed that systems cannot always meet.

“Speed on the surface doesn’t equal progress underneath,” Mazin says. “Technology changes the interface, not the structure.”

Why Local Context Matters

Outcome variability has widened in recent years. Regional comparisons suggest that similar matters in the GTA now show outcome ranges 10–15% broader than they did five years ago, reflecting inconsistent timelines and procedural differences.

“People want certainty,” Mazin says. “But the system is more layered now than it used to be.”

Administrative requirements have also expanded. Documentation demands tied to injury-related matters in Ontario have grown by an estimated 15–20%, increasing the burden on individuals navigating the process.

“Complexity doesn’t make headlines,” Mazin adds. “But it shapes the experience.”

Local Action List: What Exists at the Community Level

The following reflects common local-level actions and touchpoints currently available in Toronto, rather than recommendations:

  1. Reviewing publicly available court scheduling updates for the Toronto region

  2. Monitoring Ontario Health wait-time dashboards

  3. Accessing community legal education materials offered by local organisations

  4. Attending virtual or in-person public legal information sessions

  5. Using hospital patient relations offices for processing information

  6. Consulting publicly funded legal information clinics

  7. Tracking case status through official online portals

  8. Reading Ontario court procedural guides

  9. Comparing regional service timelines published by provincial bodies

  10. Staying informed through local civic and legal reporting

Finding Trustworthy Local Resources

Trustworthy local resources typically share clear sourcing, transparent authorship, and alignment with official provincial or municipal information. In Toronto, these often include government websites, hospital networks, court communications, and recognised community legal organisations. Cross-referencing information across multiple local sources can also help individuals understand how broader issues apply locally.

Mazin emphasises that while these pressures are not unique to Toronto, scale magnifies their impact.

“The system rewards understanding,” he says. “Not assumptions.”

Call to Action
Readers are encouraged to identify one local information source or community-level step today to better understand how broader system changes affect them where they live.

About Gary Mazin

Gary Mazin is the owner and principal lawyer of Mazin & Associates, a personal injury law firm based in Toronto, Canada. He holds a Bachelor of Arts from the University of Toronto, a law degree from Osgoode Hall Law School, and an MBA from the Schulich School of Business at York University. Originally from the former Soviet Union, Mazin is known for his structured, process-driven approach to law, business, and leadership.

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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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