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An Interview with Raymond Qu: How PolyFlow Enables PayFi

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The 2008 Bitcoin Whitepaper painted a vision of a peer-to-peer electronic cash system without the need for a trusted third party. Payments were the original promise. However, today’s infrastructure focuses on the trading instead of supporting real-time payments at scale. So what kind of infrastructure can support payments? What role can PayFi play?

In the interview with Raymond Qu, co-founder of PolyFlow, to obtain answers from a seasoned veteran in this space.

Raymond has over two decades of international finance experience. He founded Geoswift, a comprehensive global financial service company. He is also a prominent investor in the global digital finance space with a profound understanding of blockchain technology from a global perspective.

I. The Genesis of PolyFlow

PolyFlow rose from the core concepts of financial transactions: Information Flow and Fund Flow. As the first PayFi, PolyFlow creates a decentralized infrastructure integrating traditional payments, blockchain-based payments, and DeFi. It ensures regulatory compliance, mitigates custodial risks, and connects DeFi ecosystems, promoting efficiency and freedom of value movement. PolyFlow aims to establish a new financial paradigm and industry standard.

II. PID & PLP enables PayFi

PolyFlow introduces two key products: Payment ID (PID) and Payment Liquidity Pool (PLP). Together, PolyFlow creates a compliant, safe, DeFi-compatible business framework for the circulation, custody, and issuance of digital assets.

As Raymond explains, “A PID is more like a wallet that we carry around. Imagine the wallet in our pocket that contains not only cash. It also might hold a family photo (NFT), a bank card (wallet address), an ID (user ZK-enabled information extraction, data privacy protection), and so on… There is much more to be expected from PID. The current Scan to Earn project built around PID is one of them.”

As for PLP, the purpose is to consolidate fund flows, solving unaddressed issues. Raymond elaborated on three settlement modes to illustrate how PolyFlow helps.

Peer-to-Peer Mode

Raymond explained, “The current technology cannot handle transaction-by-transaction accounting. In traditional finance, the ledger is only between the two counterparties, but in blockchain networks, every transaction needs to be recorded by the entire network.”

So how do we build a new settlement model for blockchain-based payments? Raymond stated, “Our original answer was to trust in technological progress. With increased computing power, payment efficiency will eventually catch up. But we cannot rely on future technology to solve today’s problems. We need to address the issue by solving it at the core-by building consensus around fund flows.”

Net Settlement Mode

Raymond clarified, “In this scenario, the actual movement of underlying funds is minimal. What is happening is the continuous exchange of information..”

Net settlement can significantly reduce transaction costs, improve efficiency, reduce counterparty risk, and enhance capital utilization. However, this model requires a centralized trust system with the risks of custodianship and lack of transparency.

To replicate this efficient method of net settlement in blockchain while removing the risks, PolyFlow developed PLP to pool funds on a unified blockchain ledger. The goal is to allow participants to cooperate and verify each transaction’s authenticity without implicit trust in the counterparty.

PayFi Mode

Once consensus is reached around fund flows on the blockchain ledger, we can fully embrace PayFi. With the trust issue resolved, parties can move from daily net settlement to simply paying each other overnight interest for the use of funds. This mode further enhances liquidity.

In the PayFi mode, capital efficiency reaches a new height. Since all parties’ ledgers are unified on the blockchain, it allows real-time verification of transaction details, addressing any funding gaps.

III. PayFi’s Value and Significance

Ever since Lily Liu, President of the Solana Foundation, introduced the PayFi concept at the Hong Kong Web3 Carnival, PolyFlow has been recognized as one of the first protocols designed to build PayFi’s financial infrastructure.

When talking about PayFi, Raymond has a deeper understanding: “What PayFi solves is not the problems that blockchain-based payment needs to solve on the surface. It needs to solve the most fundamental problem at the moment: effectively separating the information flow of the transaction from the fund flow, so that we can form a unified ledger of the flow of funds on the blockchain. Reach consensus for flow of funds on this unified ledger and enhance the efficiency of the entire Web3 industry, to promote real mass adoption.”

Contact Email: kim@polyflow.tech

Name: Kim Shera

City: Vancouver, Canada

Website: https://polyflow.tech/

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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

Switzerland-Based Investment Firm Launches JoinX Capital to Discover, Empower, and Develop Undervalued Trading Talent

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Genève-based investment firm launches JoinX Capital – a brand seeking to locate, screen, and transform aspiring traders into professionals via its affiliate website JoinX, using an array of proprietary AI tools, financial education, cutting-edge resources, and a structured path to success with large simulated demo accounts. JoinX Capital aims to become a fintech hub, empowering individuals to hone their skills and achieve remote financial stability as part of the brand’s pool of top trading talent.

 

An Overview of Proprietary Trading

Proprietary trading, or “prop trading,” is a model where firms provide capital for traders to manage, focusing on generating returns from market opportunities rather than managing external client funds. This unique setup allows traders the freedom to develop and refine their strategies without the constraints of client-driven financial restrictions, while adhering to strict risk-management rules set by the firm.

Unlike retail trading, which requires individuals to risk personal capital, proprietary trading provides access to substantial resources, such as advanced tools, education, and mentorship. These elements create an ecosystem where traders can succeed based on merit and skill, making it a compelling opportunity for both newcomers and seasoned professionals in the financial markets.

The Process of Screening Trading Talent

A hallmark of proprietary trading is its structured recruitment process, which uses trading challenges or evaluation periods to identify skilled individuals. These challenges, operated by the affiliated company JoinX, simulate real trading environments, allowing firms to assess participants’ risk management abilities, decision-making under pressure, and consistency in generating profits.

The challenges serve as both a gateway and a training mechanism. They test traders’ technical knowledge and emotional discipline, evaluating performance under simulated live market conditions, ensuring that only the most capable individuals progress to become industry professionals.

Additionally, these challenges foster a growth mindset among participants. The feedback provided during these trials helps traders identify areas for improvement, whether it’s refining their strategies or better understanding market dynamics and trading psychology. For many, this structured approach offers a clearer and more supportive path to professional trading than self-directed retail trading, which can often be a solitary and high-risk endeavor.

Empowering Undervalued Talent

One of the key barriers for independent traders is the lack of substantial liquidity. Without sufficient capital, even the most well-designed trading strategies might fail to produce meaningful yields. Proprietary trading firms address this issue by giving traders access to significant simulated funds, allowing them to scale their operations and realize the full potential of their strategies.

Beyond virtual capital, prop trading firms provide essential resources such as advanced trading platforms, market analytics, and access to data that retail traders may find prohibitively expensive. These tools assist traders in making informed decisions and adapt to the rapidly changing landscape of financial markets.

For skilled traders, this access represents more than just financial support; it’s a springboard to professional growth. By focusing on trading performance without the limitations of personal financial risk, traders can concentrate on developing their skills, experimenting with new strategies, and achieving consistent profitability.

The Rise of the Digital Nomad Trader

The rise of technology and connectivity has revolutionized the trading industry, making it more accessible to a global audience. Today, proprietary traders can work remotely, leveraging online platforms and real-time market data to execute trades from anywhere in the world. This shift has aligned seamlessly with the digital nomad lifestyle, where professionals work while traveling or living in various parts of the globe.

Prop trading firms play a significant role in enabling this lifestyle. By providing remote-friendly tools and virtual training, these firms allow traders to pursue financial flexibility without being tied to a specific location. This independence has not only broadened the appeal of trading as a career but also created opportunities for individuals in regions with limited access to traditional financial institutions.

Technology’s Role in Transforming Proprietary Trading

Modern proprietary trading firms rely heavily on technology to stay competitive in an increasingly data-driven environment. Artificial intelligence, machine learning, and advanced analytics have become integral to the prop trading model. These technologies provide traders with powerful insights, enabling them to identify patterns, assess risks, and execute strategies with precision.

Trading platforms are now equipped with sophisticated tools for backtesting, real-time data visualization, and fast execution. These features enhance traders’ efficiency by allowing them to focus on strategic decision-making while minimizing manual tasks.

Furthermore, technology facilitates transparency and accountability. Firms can monitor traders’ performance in real time and provide fast feedback, ensuring adherence to risk management protocols and ethical standards. This creates a win-win scenario where traders are supported by cutting-edge systems while firms maintain control over their capital.

A Pathway to a New Career

Proprietary trading offers a unique opportunity for individuals to achieve financial independence. By eliminating the need for personal capital and providing a structured environment for growth, it lowers the barriers to entry for aspiring traders. The combination of mentorship, resources, and access to liquidity enables participants to build sustainable careers, even in a competitive market landscape.

For many, prop trading represents more than just a career; it’s a chance to redefine their relationship with work. The flexibility of remote trading, coupled with the potential for substantial earnings, has made it an attractive option for those seeking autonomy and financial stability.

JoinX Capital: A Hub for Innovation and Talent Development

At the forefront of this transformation is JoinX Capital, a brand committed to empowering traders with the tools, education, and resources they need to succeed. By leveraging proprietary AI technology and creating a structured path for skill development, JoinX Capital aims to redefine the standards of proprietary trading.

As a fintech hub, JoinX Capital combines innovation with a deep commitment to talent discovery and empowerment. Its focus on fostering a global pool of skilled traders underscores its mission to make financial independence accessible to individuals worldwide.

Author

David Farkas

JoinX Capital

Media Contact

Company Name: Dunaportal 2010 kft.

Contact Person: David

Email: ldawolf@gmail.com

Country: Hungary

Website: https://joinx.me/index.html

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Press Release

2025 Small Payment Response Plan and Countermeasures through ZeroPayBank

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South Korea, 14th Jan 2025 – A varied ecosystem emerges from the micro-payment industry by 2025 Zeropaybank and other platforms that have moved beyond functioning as intermediaries now provide financial tools. These are the tools that enable people to monitor, manipulate and exchange credits effortlessly. The move reflects a broader trend of rising demand for rapid and transparent cash conversion.

1. Micro-Payments Ecosystem Also On The Rise

A varied ecosystem emerges from the micro-payment industry by 2025 Zeropaybank and other platforms that have moved beyond functioning as intermediaries now provide financial tools. These are the tools that enable people to monitor, manipulate and exchange credits effortlessly. The move reflects a broader trend of rising demand for rapid and transparent cash conversion.

Highlights:

Ease of use: Centralized, familiar tools

Better integration with other financial services.

Concerns:

It can be overwhelming with the complexity of how tools intertwined.

However, this might in turn result more of a reliance on certain platforms prompting centralization.

2. Greater Emphasis on Security

With a growing digital financial landscape comes an increase in risk. Zeropaybank and the like — 2025: Platforms such as Zeropaybank have also stepped up their security game with sophisticated encryption, biometric authentication, and fraud detection algorithms. Security: It’s Not A Feature, It Is Just Necessary.

Why This Matters:

It allows us to shield users from the rapidly advancing scams.

Establishes trust in digital financial services.

Challenges:

More robust security levels can translate to a slower experience for the end user.

Some platforms could require more personal information to verify you.

3. Personalized User Experience

Personalized solutions are being provided through AI and data analytics by the platforms For instance, Zeropaybank can now suggest the ideal time for users to cash out certain credits after analyzing market trends or user behavior.

Advantages:

It increases user satisfaction when users receive advice that is specific to their own needs.

Allows the users to maximize returns.

Drawbacks:

This is how a user comes to have different expectations from those modeled by the AI system.

M over-personalization is intrusive.

4. GROWING DEMAND FOR THE HYBRID PLATFORMS

Hybrids with services like investment or savings along with micro-payment conversion are on the rise. Such platforms (e.g., Zeropaybank) are striving to provide additional value by combining functions.

Benefits:

Operators can Perform multiple financial tasks at one place.

Long term financial planning encouraged

Risks:

The first disadvantage is that hybrid platforms might have higher fees.

That complexity could turn off people who just want a simple service.
5. Regulatory Changes

Fraud prevention and increased transparency are driving regulatory changes globally,  with more scrutiny on digital transactions. This safeguards users but also imposes a level of oversight on platforms and clients.

Positive Impact:

Reinforces the credibility of micro-payment plaforms

Give the users a safer transaction.

Negative Impact:

It might be a fair bit of bureaucracy for the user.

Other initiatives with smaller platforms might not meet the standards for compliance at all.

6. Broadening the payment spectrum

With the advent of 2025 platforms are opening up to new payment methods other than classical credit cards or bank transfers as revenue models. As we move towards a cashless lifestyle, cryptocurrencies coupled with digital wallets are becoming common practice.

Opportunities:

Improves flexibility and accessibility

Fosters cross-border transaction capabilities

Limitations:

Volatility is also one of the hallmark features associated with cryptocurrencies.

Additional fees might apply when using certain payment methods.

7. Transparency as a Standard

There is no way back from 2025 on that Transparency is optional. Zeropaybank and other such companies concentrate on uncluttered fees, tracking user data in real-time, as well as hatching out skeletons of transactional events to inject a sense of trust amidst users.

Why It Works:

Users can make more confident decisions.

Aid users in making smart and effective planning.

Areas to Watch:

Linear X-ray services are often bewildering.

In fine print which could still be an industry standard for some platforms to try and bury fees.

8. User Education

To get a better understanding of micro-payment cash conversion, platforms are offering educational resources to users. Services such as Zeropaybank aim to educate users through Webinars, tutorials and guides.

Benefits:

Decrease the number of mistakes, by removing doubts.

Good for Beginners: Easy to get started and learn.

Drawbacks:

The educational materials may not discuss all of the scenarios.

Time Given to Learn
9. MORE PLATFORM COMPETITION

As platforms increase, users get more choices but in a way, they have to choose too much. Market competition forces innovation; but it also cons the wary shopper.

Positives:

Calls for platforms to raise services and lower fees

Allows users to pick their choice.

Negatives:

The Paradox of Choice can be a real creativity killer.

Platforms may have less existing credibility
10. Why Community Feedback Matters

A huge part of what helps people decide which platforms to use is user reviews and community discussions. Success stories like Zeropaybank are typically shared through word of mouth.

Why It Helps:

We tell real world experiences and give practical advice.

Compares and contrasts platforms’ strengths and weaknesses.

Risks:

Fake or bias reviews

Reliance on Reviews Can Outweigh Personal Judgment

These 2025 trends, along with the cautions presented above will empower users to make an informed decision in micro-payment cash conversion. Zeropaybank and other such platforms provide powerful solutions, but not always sophisticated enough to manage preconceived notions of patient behavior.You can find out more about this at https://zeropaybank.com
 

Media Contact

Organization: Zeropay bank

Contact Person: Zeropay bank

Website: https://zeropaybank.com

Email: Send Email

Contact Number: +82232488978

Address: 194-1, Jungang-ro, Gunsan-si, Jeonbuk-do, Republic of Korea

Address 2: 12-11

City: Jeonbuk-do, Republic of Korea

State: 194-1, Jungang-ro, Gunsan-si, 12-11

Country: Korea South

Release Id: 14012522567

The post 2025 Small Payment Response Plan and Countermeasures through ZeroPayBank appeared on King Newswire. It is provided by a third-party content provider. King Newswire makes no warranties or representations in connection with it.

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Press Release

Granted by Grace Presents Innovative Grace Acacia Cutting Board with Smart Meal Kitchen Prep Station

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Press Release Summary – Granted by Grace Launches Grace Acacia Cutting BoardGranted by Grace has introduced the Grace Acacia Cutting Board, an innovative kitchen prep station designed to simplify cooking and meal organization. Featuring built-in storage bins, four stainless steel graters, juice grooves, plastic meat prep sheets, and anti-slip feet, this cutting board streamlines meal prep, making it more efficient and mess-free.Founder Amanda Ground was inspired by her experience cooking with her children and wanted to create a solution that reduces kitchen clutter while improving workflow. The Grace Acacia Cutting Board allows users to slice, slide, and store ingredients seamlessly, making it perfect for families, busy home cooks, and outdoor gatherings.For more details, please refer to the full press release

California, United States, 14th Jan 2025—Granted by Grace, a maker of kitchen products, today announced the launch of its innovative Grace Acacia Cutting Board. The cutting board is designed to simplify cooking. It features superior craftsmanship and thoughtful design to make prepping and cooking a pleasure, save time, and ease cleanup.

“We designed the Acacia Cutting Board with containers and lids to be the most innovative and forward-thinking meal prep solution that makes everyone’s lives easier,” said Amanda Grounds, founder of Granted by Grace. “The Acacia Cutting Board and meal prep station helps families who love preparing and eating meals together. It is especially helpful for larger families with children, who will benefit from planning meals like tacos salad or pizza ingredients in advance.”

The Grace Acacia Cutting Board comes with built-in storage bins, four stainless steel graters, juice grooves, designated plastic meat prep sheets, and anti-slip feet. Two included plastic prep mats protect the board surface during meat preparation. A juice catcher prevents messy spills.

The cutting board is designed for durability. It can withstand daily chopping and slicing without warping or cracking. Busy people will find that their meal prep is so much more efficient when they can slice, slide and store prepped ingredients into its four containers through a built-in “drop-zone.” Using the Grace Acacia Cutting Board, chefs can bring an entire meal outside to the patio or for picnics without having to juggle bags or trays.
 

Amanda Grounds loves being in the kitchen. It was her experience making pancakes with her kids and prepping meals after long days, however, that inspired the Grace Acacia Cutting Board with containers. As she explained, “Over time, cooking became a stressful chore, cluttering counters, with scattered ingredients, and endless cleanup. When I saw my child struggling to keep a cutting board from slipping while slicing fruit, I thought why is meal prep always such a hassle. I know that you can put a moist dish towel under cutting boards to keep them from slipping, but we need containers to separate the foods. That is why this cutting board is so great.”

For more information visit

https://www.amazon.com/Acacia-Cutting-Board-with-Containers/dp/B0BTQM4YYQ

 

Media Contact

Organization: Granted By Grace

Contact Person: Amanda Grounds

Website: https://www.amazon.com/Acacia-Cutting-Board-with-Containers/dp/B0BTQM4YYQ

Email: Send Email

State: California

Country: United States

Release Id: 14012522581

The post Granted by Grace Presents Innovative Grace Acacia Cutting Board with Smart Meal Kitchen Prep Station appeared on King Newswire. It is provided by a third-party content provider. King Newswire makes no warranties or representations in connection with it.

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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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