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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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XAI Surges 28x in One Month—UBX Powers the Future of AI Compute Sharing

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As artificial intelligence (AI) technology rapidly evolves, computing power has become one of the most valuable digital assets. UBX, a leading global digital asset trading platform, is actively driving innovation in this sector through NeXAI, one of its key ecosystem projects. NeXAI (AI + Nexus) is revolutionizing AI compute sharing by leveraging blockchain technology to connect billions of devices worldwide, forming a decentralized “super AI brain” that enhances AI training and accessibility.

Since its launch, XAI, the native token of the NeXAI ecosystem, has experienced tremendous market traction. Starting at just $0.0873 USDT on February 26, 2025, XAI soared to an all-time high of $2.46 USDT within a month—an astonishing 28x surge. This rapid rise briefly pushed its market capitalization close to $100 million, demonstrating the market’s strong confidence in UBX’s vision and the long-term potential of decentralized AI compute networks.

 

Unique Technological Architecture, Creating an AI Compute Sharing Ecosystem

The rapid appreciation of XAI is underpinned by NeXAI’s core innovation in decentralized compute sharing. Using idle computing resources from users’ devices, NeXAI has created a powerful distributed AI computing network, enhancing the efficiency and resource allocation for AI training. Additionally, with the use of federated learning and homomorphic encryption, NeXAI ensures user privacy while allowing them to share in the benefits of AI development.

XAI plays a crucial role in the ecosystem across compute trading, task staking, and AI service exchanges. Moreover, NeXAI features a decentralized autonomous organization (DAO), where XAI holders can participate in community governance and decision-making, adding strategic significance and investment allure. The platform’s ongoing expansion in sectors like AI healthcare, autonomous driving, and climate prediction broadens XAI’s application scenarios, ensuring a steady demand increase over the long term.

Robust Tokenomics, Promising Long-Term Investment Outlook

The investment appeal of XAI extends beyond its short-term gains, grounded in its solid economic model and diverse application scenarios. NeXAI has adopted a release strategy of 1 billion tokens with a halving schedule combined with a continual token burn mechanism, rigorously controlling the token supply to ensure scarcity and long-term value appreciation.

The strong functionality of XAI supports its sustained demand within the NeXAI ecosystem, as users engage in compute mining, pay fees, stake for priority task processing, and exchange for future AI services, continuously solidifying XAI’s utility. As NeXAI deepens its features and expands its compute sharing scale, the value of holding XAI is poised for stable, long-term growth.

Future Outlook: Strategic Investment Opportunities in the AI Era

NeXAI is leading the new trend of power sharing in the AI era by effectively activating the computing potential of global idle devices, driving the efficient use and inclusive sharing of computing resources.

NeXAI is leading the new trend in AI era compute sharing, activating the untapped potential of global idle devices, promoting the efficient use and inclusive sharing of compute resources. With the increasing global demand for AI applications, XAI is emerging as a significant investment for the future tech market. Long-term investment in XAI means strategically positioning for the future and capitalizing on new opportunities in the AI era.

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Unlocking Business Potential: C and J Consulting Group LLC Revolutionizes Strategic Consulting

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United States, 28th Mar 2025C&J Consulting Group LLC, a dynamic consulting firm specializing in strategic business solutions, today announced its expanded service offerings designed to empower businesses with comprehensive consulting expertise across multiple domains.

“In today’s complex business ecosystem, organizations need more than traditional consulting – they need a strategic partner committed to transforming challenges into opportunities,” stated Charles Rivers, Founder of C&J Consulting Group LLC. “Our approach goes beyond conventional consulting by delivering actionable insights that drive meaningful organizational change.”

C&J Consulting Group LLC distinguishes itself through a holistic consulting methodology that integrates financial strategy, technological innovation, and operational optimization. The firm’s comprehensive approach ensures clients receive customized solutions that address their unique business challenges and strategic objectives.

The consulting firm’s service portfolio encompasses a wide range of critical business areas, including:

  • Financial strategy development
  • Operational efficiency assessment
  • Technology integration planning
  • Process optimization
  • Strategic growth modeling

“We pride ourselves on our ability to dive deep into our clients’ specific contexts, understanding the nuanced challenges they face,” Rivers explained. “Our team doesn’t just provide recommendations – we become true partners in our clients’ success journeys.”

With a proven track record of supporting businesses across various sectors, C&J Consulting Group LLC has consistently demonstrated its capacity to guide organizations through complex transformational periods. The firm’s client-centric approach has enabled numerous businesses to enhance their operational capabilities, reduce inefficiencies, and achieve sustainable growth.

“Our consulting philosophy is rooted in collaboration, innovation, and measurable results,” added Rivers. “We are committed to empowering businesses with the strategic insights and practical tools necessary to thrive in an increasingly competitive marketplace.”

C&J Consulting Group LLC continues to expand its reach, serving a diverse clientele that includes emerging startups, established small businesses, and growth-oriented enterprises. By combining cutting-edge analytical techniques with deep industry expertise, the firm develops targeted strategies that address immediate challenges while positioning clients for long-term success.

For more information about C&J Consulting Group LLC’s comprehensive consulting services and how they can help transform your business strategy, visit cjconsult.net.

About C&J Consulting Group LLC

 C&J Consulting Group LLC is a leading consulting firm based in Rio Rancho, NM, dedicated to providing innovative, customized business solutions. Specializing in financial strategy, operational efficiency, and strategic growth, the firm is committed to helping businesses navigate complex challenges and achieve sustainable success across diverse industries.

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Hardwood Chain: Integrating AI and Blockchain to Reshape the Web3.0 Ecosystem

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Since Satoshi Nakamoto introduced the Bitcoin whitepaper in 2008, blockchain technology has evolved from “digital currency” to “smart contracts.” From the 1.0 era of simple value transfer, to the explosion of decentralized finance (DeFi) in the 2.0 era, and now to the cross-chain ecosystem exploration of the 3.0 era, public blockchains have always faced the dilemma of the “blockchain trilemma” — how to strike the optimal balance between decentralization, security, and scalability.

Today, the global blockchain market has exceeded $230 billion, with over 500 million Web3.0 users. However, challenges such as the performance bottleneck of public chains (e.g., Ethereum’s 15 TPS), the “inter-chain silo effects” among 300+ isolated blockchains, and the high energy consumption (PoW consuming as much electricity annually as Argentina) have become major barriers to the industry’s growth.

Hardwood Chain was born to solve these challenges. This paper explores how this intelligent public chain — aiming for a “multi-chain interconnected” vision — redefines the blockchain 3.0 era from the perspectives of tech breakthroughs, ecosystem strategy, and industry positioning.

I. Hardwood Chain Public Chain: An AI-Native Intelligent Value Network

Hardwood Chain is built by its parent company Hardwood Group Co., Ltd., led by the Silicon Valley-based Mellon Foundation. It’s the world’s first infrastructure to deeply embed AI algorithms at the blockchain base layer. It is not only a high-performance public chain, but also an open smart contract ecosystem.

Technological Breakthrough: AI + Blockchain Dual Engine

Hardwood Chain’s core competitive edge lies in its “AI-native” architecture. By deeply integrating machine learning algorithms into the base layer, it achieves three breakthroughs that traditional blockchains struggle with — reshaping the boundaries of blockchain value:

1.Smart Bridges for Cross-Chain Interoperability

Unlike conventional cross-chain solutions that rely on complex protocols, Hardwood Chain uses its proprietary Smart Contract Cross-Chain Engine to enable asset swaps and data exchange between any two chains. Whether it’s BTC, ETH, or user-defined tokens, seamless transfers with 3-second confirmation are made possible. This “one-click cross-chain” capability ushers the blockchain world from isolated “chain silos” into a new era of “interconnected chains.

2. Compute-Sharing Network for Commercial Redesign

To address the compute-intensive demands of AI training, Hardwood Chain builds a distributed compute-sharing network. Participants can call GPU/TPU clusters on-demand via the native HEC token, supporting the full AI pipeline from model training to inference. This not only cuts enterprise AI development costs by 70%, but also pioneers a “Compute-as-a-Service” business model — empowering cutting-edge sectors like the metaverse and autonomous driving.

3. Modular Smart Contracts for Layer2 Development

With the “drag-and-drop chain builder” and “plug-and-play DApp component library,” developers can use mainstream languages like C# or Java to rapidly deploy custom public chains and decentralized applications. No need to master complex blockchain code — smart contracts can be written, debugged, and compiled directly in a familiar IDE environment. This “Lego-style” dev model has already attracted over 200 companies to join the ecosystem, accelerating Web3.0’s exponential growth.

II. Public Chain Ecosystem: From Finance to Real-World Adoption

A public chain’s value lies not only in tech, but in the open ecosystem it enables. Based on strong technical infrastructure, Hardwood Chain is building a diversified ecosystem across digital finance, gaming & entertainment, and AI, offering users a wide range of real-world applications.

1. Digital Finance Ecosystem

In the DeFi space, Hardwood Chain has deployed a decentralized exchange (Hardwood Swap), a centralized futures exchange (Hardwood XC), and other digital asset trading platforms. These offer secure, efficient, and seamless trading experiences. For instance, Hardwood Swap runs on Hardwood Chain and executes trades via smart contracts — ensuring transparent data and decentralized operations. Users can swap tokens directly on-chain, no intermediaries needed.

2.Gaming & Entertainment Ecosystem

Hardwood Chain has released several innovative game applications, such as the space-themed battle royale X-Space. With NFT-based game items and automated earnings via smart contracts, the game attracted 50,000 daily active users during beta, and targets 5 million users by 2025. Players become space warriors competing for survival and glory — with a chance to earn energy stone rewards. More social entertainment dApps and ecosystem games are in the pipeline, aiming to build a vibrant Web3 gaming universe.

3.AI Development Ecosystem

Hardwood Chain’s AI ecosystem center offers an open platform for AI developers and enterprises. By leveraging the compute-sharing network and AI industry cluster, developers can speed up model training and optimization. It also supports the development of AI-based applications such as virtual assistants, automated production lines, and smart traffic systems — accelerating AI adoption across industries.

III. Future Outlook: Leading the Next Trillion-Dollar Market

According to PwC, AI is projected to contribute $15.7 trillion to the global economy by 2030, while blockchain is expected to surpass a $230 billion market cap. The strategic value of Hardwood Chain lies in this convergence:

From whitepaper to live ecosystem in under two years, Hardwood Chain has bridged the gap from concept to product. It’s not just a high-performance chain — it’s an open innovation platform where developers can freely build decentralized apps, businesses can achieve digital transformation at low cost, and users can engage in value creation through smart contracts. As Web3.0 evolves, this AI-native public chain could become the game-changer that reshapes the entire industry landscape.

Hardwood Chain: An AI-Native Public Chain Built for the Web3 Future

Hardwood Chain is not just another blockchain — it’s a smart public infrastructure designed from the ground up with AI at its core. In an industry still plagued by the trilemma and fragmented ecosystems, Hardwood Chain offers a unified solution combining cross-chain interoperability, decentralized compute power, and modular development architecture.

By bridging gaps between isolated chains, empowering developers with accessible tools, and lowering AI adoption barriers, Hardwood Chain is redefining how value is created, exchanged, and scaled in the Web3.0 era.

As the world accelerates toward AI-driven economies and decentralized infrastructures, Hardwood Chain positions itself as the key infrastructure layer — one that’s not only future-proof, but future-defining.

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