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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

Bizop Launches New Website For Business and Career Opportunities

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Bizop launches a new online platform focused on business and career opportunities. The platform provides practical information for individuals considering small business ownership, independent work, and alternative career paths.

United States, 11th Feb 2026Bizop.org announced the launch of its new online platform for individuals looking for business and career opportunities. The website is designed for people at a decision point in their professional lives. Whether considering starting a venture from scratch, choosing to buy a small business, or preparing to sell a small business, the platform provides structured information to support more informed choices.

Rather than presenting entrepreneurship as a guaranteed outcome, Bizop offers a measured perspective on business ownership. The content discusses both opportunity and responsibility, helping readers understand the practical realities that come with managing risk, navigating uncertainty, and committing time and capital.

The platform also addresses the motivations that often lead individuals to explore business ownership, including the desire for greater independence and control over long-term direction. At the same time, it recognizes that small business decisions require careful planning and realistic expectations.

Bizop.org was created to give individuals clear and accessible information at an important career stage. By focusing on balanced guidance instead of promotion, the platform aims to support thoughtful decisions around starting, buying, or selling a small business.

About Bizop

Bizop is an online platform focused on business and career opportunities. The site provides practical information for individuals considering small business ownership, independent work, and alternative career paths.

Bizop
1906 Lynn Avenue, Wausau 54401
+1 854 423 9429

Media Contact

Organization: Bizop

Contact Person: Dean Bizop

Website: https://bizop.org/

Email: Send Email

Country:United States

Release id:41261

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Press Release

Brandon Gilkey Advocates for Youth Mentorship and Financial Education Amid Growing Economic Uncertainty

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  • Real Estate Leader Highlights the Power of Guidance, Adaptability, and Long-Term Thinking for the Next Generation

Arizona, US, 11th February 2026, ZEX PR WIRE, As economic uncertainty, rising housing costs, and limited financial education continue to challenge young Americans, real estate entrepreneur Brandon Gilkey is using his voice to advocate for increased youth mentorship and practical financial literacy—especially for students navigating life beyond athletics and traditional career paths.

Gilkey, who transitioned from a sports-driven upbringing in Edmond, Oklahoma, to building over $8 million in real estate holdings, credits mentorship, adaptability, and long-term thinking as the foundation of his success.

“Growing up in sports taught me teamwork, dedication, and resilience,” Gilkey says. “But stepping away from the path I thought I was supposed to take forced me to grow in ways I never expected.”

A Timely Issue Backed by Data

According to recent national studies:

  • Over 60% of young adults report feeling unprepared to make major financial decisions

  • Nearly 70% of high school students receive no formal financial education

  • First-time homebuyer ages have climbed to record highs, largely due to lack of financial preparedness and rising costs

Gilkey believes mentorship can bridge that gap.

“Working with students showed me how powerful guidance can be,” he explains. “When young people have someone helping them see beyond what’s in front of them, it changes their trajectory.”

From Mentorship to Market Success

After graduating from Abilene Christian University in 2003, Gilkey spent years mentoring students through church-based programs before relocating to Phoenix with his wife. That move marked a turning point—one that led him into real estate, where he found a way to combine strategy, service, and long-term impact.

“Real estate isn’t just about transactions,” Gilkey says. “It’s about helping people build stability, confidence, and a future they can believe in.”

His success underscores a broader message: skills learned through discipline, mentorship, and service are transferable—and powerful—across industries.

Empowering the Next Generation Starts at Home

Rather than calling for policy changes alone, Gilkey emphasizes individual action—parents, mentors, coaches, and professionals taking responsibility to guide young people where systems fall short.

“You don’t need to be an expert to make a difference,” he says. “You just need to be willing to share your experience, listen, and help someone think long-term.”

What Individuals Can Do Now

  • Start conversations with young people about money, careers, and long-term planning

  • Encourage exploration beyond one-dimensional career paths

  • Support mentorship programs in schools, churches, and local communities

  • Share real-world lessons—not just success stories, but challenges too

“When we invest time in people early,” Gilkey adds, “we don’t just change individual lives—we strengthen entire communities.”

As economic pressures continue to rise, voices like Brandon Gilkey’s highlight a powerful truth: mentorship and education remain some of the most effective tools for long-term success—both financially and personally.

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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

Vickie DeHart Shares a Practical Message for Busy, Overloaded Days

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  • Vickie DeHart of Las Vegas writes to everyday people navigating pressure, overload, and unclear days.

Las Vegas, NV, 11th February 2026, ZEXPRWIREThis letter is for people who feel busy but not always effective.
For those juggling work, responsibilities, and expectations while trying to keep things moving forward.

I’ve spent decades in construction and real estate, industries where unclear days turn into costly problems. Over time, I’ve learned that most stress doesn’t come from the size of the work. It comes from a lack of clarity.

“As I’ve learned, structure gives you freedom,” I often say. When days start without direction, everything feels heavier.

Construction taught me that quickly. “There’s no hiding in this industry,” I’ve said before. “Either it works or it doesn’t.” The same is true in daily life. When communication is unclear or tasks stay unfinished, pressure builds fast.

Research backs this up.

  • Nearly 70% of workplace errors are tied to miscommunication or unclear expectations.

  • Writing down daily priorities increases task completion by over 30%.

  • Short daily walks can improve creative problem-solving by up to 60%.

  • People who reflect daily report 20–25% lower stress levels.

But this isn’t about productivity hacks. It’s about living with less friction.

“One of the biggest lessons I learned early on,” I’ve shared, “is that most problems aren’t caused by lack of effort. They’re caused by unclear expectations.” When expectations stay vague, even capable people feel stuck.

I also believe something many people don’t agree with. “Mistakes are underrated,” I’ve said. They’re not the issue. Ignoring them is. Progress comes from noticing what isn’t working and adjusting calmly.

Another lesson that still guides me: “You learn more by walking a site than reading ten reports.” Being present—physically and mentally—changes how problems appear. Distance often makes things feel bigger than they are.

And finally, this one matters most: “I don’t believe in pressure-led leadership. I believe in clarity.” Pressure creates urgency. Clarity creates momentum.

What You Can Do This Week

You don’t need new tools or a major life change. Try one or two of these.

  1. Write down three priorities each morning. No more.

  2. Take a 10-minute walk without your phone. Think through one open issue.

  3. Finish one small task you’ve been carrying for days.

  4. Clarify expectations in one conversation instead of assuming.

  5. Remove one unnecessary step from a routine process.

  6. Have one distraction-free conversation.

  7. End one day by noting what actually worked.

  8. Ask, “What’s unclear here?” before reacting.

  9. Step outside when you feel overwhelmed.

  10. Choose progress over perfection—just for today.

None of these are dramatic. That’s the point.

“Big ideas only work if they’re grounded in execution,” I’ve said before. And execution begins with small, repeatable habits that make life easier, not louder.

A Simple Invitation

Choose one action from this list.
Commit to it for 7 days.
Notice what feels lighter.

If this letter helped you, share it with someone who feels overwhelmed, busy, or stuck. Sometimes clarity spreads simply by passing it on.

About Vickie DeHart

Vickie DeHart is the co-founder of EHB in Las Vegas, Nevada. She is a construction and real estate leader with decades of experience in operations, development, and project execution. She previously served as Principal and Vice President of Powerhouse Construction and was one of the first women in Nevada to hold a general contractor’s licence.

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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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