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

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4 years ago

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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.

About Author

Alex Jacob

Alex Jacob is a literature author. He was born in Chicago. Alex passion is writing news articles. He writes number of articles and published it.

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Press Release

Choose YESMiner and move towards a future of daily stable income

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1 hour ago

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March 31, 2025

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YESMiner, a highly-watched blockchain mining platform, provides users with a low-cost entry point to Bitcoin mining. This move aims to lower the threshold for traditional mining and enable more users to participate in the digital currency ecosystem and benefit from it.

It is reported that one of YESMiner’s core services is cloud mining solutions. As a model that does not require users to directly purchase and maintain mining equipment, cloud mining has been favored by more and more investors in recent years. YESMiner predicts that by 2025, cloud mining will usher in rapid development and its market potential will be further released globally. The company said that it will provide users with a more efficient and sustainable mining experience through technical optimization and cost control.

In addition, YESMiner’s positioning in the blockchain economy has also attracted much attention. As a platform dedicated to promoting the popularization of blockchain technology, YESMiner is not only actively involved in the field of Bitcoin mining, but also exploring how to provide support for a wider range of blockchain application scenarios. This diversified development strategy helps to consolidate its competitive advantage in the industry.

It is worth mentioning that the YESMiner platform is strictly regulated by the UK Financial Conduct Authority (FCA). This compliance measure provides users with greater security and trust, and also reflects YESMiner’s commitment to industry standards and transparent operations.

Earn Profits with YESMiner Cloud Mining

1: Register now to get a $100 bonus ($1 for daily check-ins).

2: Choose a contract: After successfully registering, the next step is to choose a mining contract that suits your goals and budget. YESMiner offers a variety of contracts to meet different needs, whether you are a beginner or an experienced miner.

Choose the contract that suits your investment strategy:

 

3: Start making a profit: After selecting and activating a mining contract, you can sit back and let the system do the work for you. YESMiner’s advanced technology ensures that your mining operations run efficiently, thereby maximizing your potential earnings.

In the face of rapid changes in blockchain technology and the digital currency market, YESMiner said it will continue to uphold the concept of innovation and responsibility, provide users with high-quality services, and promote the healthy development of the entire industry.

About YESMiner:

YESMiner is an innovative company focusing on Bitcoin mining and blockchain technology applications, and is committed to providing users with efficient, secure, and low-cost digital asset management services. Through technological innovation and compliant operations, YESMiner has become one of the most trusted platforms in the industry.

Company name: YESMiner

Company website: https://yesminer.com/

Company email: cooperate@yes-miner.com

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Press Release

Vtrading Releases Trading Ecosystem Whitepaper: Redefining the Cognitive Revolution of Wealth in the Digital Era

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2 hours ago

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March 31, 2025

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Amid a global cryptocurrency market with a daily trading volume exceeding $50 billion, 82% of retail investors continue to struggle with persistent losses. This structural contradiction has become the key entry point for the next-generation trading platform Vtrading to disrupt the status quo. Recently, Vtrading officially released its Trading Ecosystem Whitepaper, unveiling the world’s first “Cognition-Decision-Execution” tripartite trading operating system. The platform aims to redefine wealth creation paradigms in the digital age through technological innovation.

I. Scientific Revolution in Trading Paradigms: From Empiricism to Cognitive Industrialization

Traditional trading markets suffer from systemic cognitive gaps. CoinMarketCap data reveals that 73% of users mechanically apply RSI indicators without understanding their mathematical essence, while 97% of investors fail to distinguish between market beta returns and personal alpha returns. This cognitive divide directly triggers behavioral biases: during the 2023 Pepe coin surge, 63% of retail buy orders clustered within 1 hour of price peaks, only 11% set stop-loss instructions, and average holding periods lasted just 27 minutes—far below institutional averages of 83 hours.

Vtrading champions the core philosophy that “cognition is capital,” breaking down trading competence into a quantifiable, trainable industrial system. Its AI architecture integrates three engines:

– Intelligent Strategy Generator: Combines natural language interaction and genetic algorithms, enabling users to generate code frameworks via inputs like “BTC intraday volatility strategy, max drawdown 3%.”

– Decision Enhancement Network: Deploys a millisecond-response Trading Sentinel system, monitoring 100+ candlestick patterns and 60+ technical indicators across timeframes.

– Cognitive Evolution Workshop: Dynamically integrates 1,200+ trading concepts via knowledge graphs, with a 21-day cognitive restructuring program that boosted trainees’ average returns by 220%.

Early results are striking: users leveraging smart alerts saw trade opportunity capture rates rise by 73%, holding periods extend from 6.2 to 38.7 hours, and risk-adjusted returns reverse from -12.3% to +9.8%.

II. Building an Assembly Line for Cognitive Evolution

Vtrading’s product matrix targets three pain points in traditional trading ecosystems:

1.Cognitive Infrastructure Layer (VTrading Academy)

– Dynamic Knowledge Graph: Links candlestick patterns, technical indicators, and on-chain data, unlocking tool access as users master concepts like RSI.

– Live Simulation Sandbox: Tests strategies against historical data and stress models.

– Competency Assessment Model: Generates a Cognitive Index (formula: 0.4test scores + 0.6strategy returns).

2.Decision Enhancement Layer (Intelligent Trading Sentinel)

– Multi-Dimensional Signal Engine: Monitors 1-minute signals and 4-hour trends, triggering app/SMS alerts for critical events.

– Scenario-Based Strategy Templates: Prebuilt setups like “Meme Coin Sniper (500% social media spike + on-chain whale activity).”

– AI Alert Network: Detects anomalous trades with 95% interception accuracy.

3.Value Closure Layer (AI Strategy Workshop)

– Natural Language Programming: Converts strategy descriptions into executable code.

– Personalized Parameter Tuning: Dynamically optimizes indicators (e.g., adjusting RSI periods from 12 to 9 days for aggressive users).

– Strategy Monetization: Top strategies earn 39.7% average annual returns in copy-trading ecosystems.

III. World-Class Security Architecture

Vtrading safeguards both assets and cognition:

– Asset Security Triad:

MPC-TSS 2.0 protocol uses (3,5) threshold signatures, with private key shards stored across 5 geonodes (cracking cost >$1 billion).

Real-time risk control (e.g., AnomalyDetector class in code) blocks suspicious transactions with <0.3% false positives.

Daily Merkle Tree reserves with zk-SNARKs verification.

– Cognitive Security:

GAN-simulated 2008/2018-level crashes eliminate 89% of overfitted strategies.

Credibility models filter 92% of fake news across 50+ sources.

Bias correction systems halt “double-down” behaviors via risk circuit-breakers.

IV. Pioneering Web3 Collaboration Networks

Vtrading’s three-dimensional ecosystem includes:

– Developer Ecosystem: Open SDKs (backtesting frameworks), Data Lake APIs (10TB+ on-chain data), and Oracle networks (30+ data feeds), rewarding contributors via token incentives.

– Institutional Collaboration: Federated learning for private data sharing, cross-chain atomic settlement protocols (with MIT) reducing清算 latency to milliseconds.

– Community Governance: Token holders vote on 70% of product updates. An on-chain reputation system quantifies trading skills and contributions as NFT credentials, granting access to metaverse terminals.

V. Vision: Defining a New Trading Civilization

By 2030, Vtrading aims to:

– Establish global competency standards (L1-L4 certification).

– Launch next-gen OS integrating AI, cross-chain protocols, and metaverse terminals.

– Reduce irrational trading losses by $21 billion annually and nurture 380,000 digital nomad developers.

Early network effects are evident: users completing the 21-day program reduced trading frequency by 54% but improved risk-reward ratios by 220%. A viral referral model (R(inviter)=Σ(1/2^(k-1)*BaseReward) and 120,000+ NFT credentials underscore rapid adoption.

In this cognitive revolution, Vtrading poses a fundamental question: As trading competence becomes a core digital-age literacy, do we need a holistic upgrade—from tools to mental models? Let’s find out at Vtrading.com

Disclaimer: The information provided in this press release is not a solicitation for investment, nor is it intended as investment advice, financial advice, or trading advice. It is strongly recommended you practice due diligence, including consultation with a professional financial advisor, before investing in or trading cryptocurrency and securities.

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Press Release

CrushOn.AI: Enhancing NSFW AI Roleplay Chatbot in 2025

Published

3 hours ago

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March 31, 2025

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CrushOn.AI is thrilled to announce the official launch of its innovative NSFW AI roleplay chatbot, a platform designed to deliver unparalleled creative freedom and immersive storytelling experiences. With cutting-edge AI technology and fully customizable features, CrushOn.AI offers users the tools to explore personalized roleplay scenarios like never before.

CrushOn.AI has been the game-changer since 2025, revolutionizing NSFW AI Roleplay Chatbots. By combining cutting-edge AI technology with complete liberty to be as creative as possible, it allows users to craft personal and customized roleplay situations. Whether an amusing conversation, a deep emotional connection, or a new story.

Personalized Perfection for NSFW AI Roleplay

It makes CrushOn.AI stand out is the freedom it provides users. They  can create their  own AI characters with personalities, backstories, and preferences.

To add, CrushOn.AI allows usersto add HTML to character introductions, and so theycan make profiles beautiful and imaginative. This means users  can bring characters to life, add more details and expressions, and make them more visually appealing for an even richer roleplay experience.

Powered by Advanced AI Models

CrushOn.AI uses the world’s leading AI models. While other sites can feel limiting, CrushOn.AI works with advanced models like Claude 3.7 Sonnet, Claude 3.5 Haiku, and Grok-3.

– Claude 3.7 Sonnet is perfect for creating poetic, emotional, and highly descriptive conversations.

– Claude 3.5 Haiku is perfect for brief, creative, and impactful responses.

– Grok-3 is very versatile, handling all sorts of themes and tones with ease.

– These models give the NSFW AI Roleplay Chatbot experience in a more natural, immersive, and realistic way than ever before.

Secure and Safe Chatting

Privacy is important, and CrushOn.AI takes it seriously. The site uses top-level encryption to safeguard all chats and data.

The Future of NSFW AI Roleplay Chatbots

CrushOn.AI and imagination collide. The team is also creating some exciting new features, including adding voice and visuals to the roleplay experience to make it even better.

In 2025, CrushOn.AI is leading the way for the future of NSFW AI Roleplay Chatbots, offering endless possibilities for creating and enjoying personalized roleplay scenarios.

Website: https://crushon.ai/

CompanyName: CRUSHON AI CORP.

Adress：3120 139th Ave SE, Bellevue, WA 98005

Email：business@crushon.ai

Contacts：Tara

Telephone: +1 (253) 363-9761

Disclaimer: The information provided in this press release is not a solicitation for investment, nor is it intended as investment advice, financial advice, or trading advice. It is strongly recommended you practice due diligence, including consultation with a professional financial advisor, before investing in or trading cryptocurrency and securities.

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Cloud PR Wire

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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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