Payment – Earlybirds Invest https://earlybirdsinvest.com Latest Crypto News Sat, 06 Sep 2025 21:59:10 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.9 https://i0.wp.com/earlybirdsinvest.com/wp-content/uploads/2024/12/cropped-New-Project-2024-12-17T235703.455.png?fit=32%2C32&ssl=1 Payment – Earlybirds Invest https://earlybirdsinvest.com 32 32 240146708 The AI economy needs new payment rails: How stablecoins and lightning fit the bill https://earlybirdsinvest.com/the-ai-economy-needs-new-payment-rails-how-stablecoins-and-lightning-fit-the-bill/ https://earlybirdsinvest.com/the-ai-economy-needs-new-payment-rails-how-stablecoins-and-lightning-fit-the-bill/#respond Sat, 06 Sep 2025 21:59:10 +0000 https://earlybirdsinvest.com/the-ai-economy-needs-new-payment-rails-how-stablecoins-and-lightning-fit-the-bill/

The following is a guest post and opinion from Bobby Shell, Board of Directors & VP of Marketing at Voltage.

AI is no longer just assisting humans—it’s making decisions, managing resources, and even spending money. But without instant, programmable payment rails, this new digital workforce is running on outdated infrastructure. Today’s AI systems are evolving into autonomous agents capable of handling complex workflows independently. These agents plan, interpret, decide, and execute operations, and increasingly are being trusted and empowered to make financial decisions too.

But for these AI systems to truly scale and thrive, they need access to digital money that is immediate, scalable, and secure: Bitcoin.

Here is why the correct infrastructure stack matters, how it is already taking shape, and why market leaders should act now to position their organizations for the future of money.

Legacy Networks Are Building. Is It Scalable?

Today’s financial infrastructure is built on closed systems: centralized platforms like Visa and Mastercard dominate payment processing, gatekeeping access to their tools and protocols. While Visa experiments with AI-powered payment orchestration and Mastercard develops dynamic transaction frameworks, these solutions are designed for incumbents, not innovators.

They’re siloed, slow to adapt, and exclude those who rely on decentralized assets like Bitcoin. These systems will never serve the edges of innovation—where creators, startups, and AI-native businesses are building the future—or those who measure value in Bitcoin’s sound money.

This is where open rails emerge as the disruptive alternative.

There are a few steps to an AI-ready payment stack:

  • It begins with stablecoins, the predictable, permissionless currency for digital work, enabling global teams and AI agents to transact seamlessly, whether splitting revenue between algorithms or paying content creators across borders.
  • Next comes Bitcoin’s Lightning Network, the backbone of this stack. Lightning operates beyond the constraints of Visa/Mastercard, offering instant settlements at near-zero cost. When an AI agent negotiates a contract or an autonomous drone orders replacement parts, it shouldn’t need a human to approve a transaction.
  • Finally, open rails enable machines to pay machines: stablecoins become the “salary” for algorithmic work, while Lightning acts as the frictionless payroll system. This is not merely a technical upgrade—it’s the liberation of automation from human bottlenecking.

This stack redefines AI commerce: machines transact autonomously, humans collaborate seamlessly, and value flows instantly at scale—no banks, no friction.

AI Agents Are Becoming Financial Actors

Today’s AI models are capable of far more than just a year ago, with a growing prevalence in the workplace. They can execute project management tasks, file accounting records, order supplies, and even deploy code. These systems don’t just instruct; they can autonomously act.

Modern platforms like OpenAI’s GPT and LangChain frameworks make it possible to construct “agent loops” or workflows where the AI system autonomously interacts with external tools, APIs, and services. These agents often call external services, requiring payment for each action. For example, an AI writing assistant might fetch grammar checks from a third-party service, or a travel-planning bot might book a rental car.

AI operations demand automated, precise, and instant payments—yet traditional billing falters, plagued by manual delays, fee-heavy per-use models, upfront commitments, and non-programmable fiat rails reliant on intermediaries.

Stablecoins Are the Currency of Digital Work

In 2024, stablecoin volume exceeded $27.6 trillion, rivaling or surpassing major credit card networks.

Stablecoins bypass cryptocurrency’s volatility, settle transactions instantly without delays, and enable seamless programmatic issuance, spending, and auditing—eliminating the need for manual reconciliation.

When AI is given access to capital, especially in the form of per-use, permissioned payments, it finds the best solution at the lowest cost in the shortest amount of time. This pay-per-action model reduces overhead and minimizes waste, giving open system AI agents a competitive advantage.
The result? Faster decisions, transparent spending, and measurable outcomes—exactly what businesses want from any operational layer.

Bitcoin: The Foundation Layer

Most stablecoins today run on platforms like Ethereum and Solana. But Bitcoin is still the most secure and widely trusted blockchain, and the Lightning Network is fulfilling its original promise as the “payments scaling layer.”

And what’s exciting is that there are already emerging use cases where AI agents utilize the Bitcoin Lightning Network for payments, primarily driven by the integration of AI with the Lightning Network’s L402 protocol and tools like LangChain, as pioneered by Lightning Labs.

Using the L402 protocol, an AI agent could query a specialized AI for market analysis data, paying a small fee in satoshis or stablecoins via Lightning. The L402 protocol authenticates and meters these payments, ensuring secure, instant transactions.

It can even be used to help with spam—a problem folks have been trying to solve since Adam Back’s Hashcash in 1997. A server hosting an AI model could theoretically issue an HTTP 402 “Payment Required” response, prompting the requesting AI to pay via Lightning to proceed.

These use cases are still nascent but show immense potential as AI and Bitcoin converge.
While Visa and Mastercard are building AI-powered payment networks, they remain closed, permissioned systems. By contrast, Lightning is live, open, and proven—used by some of the biggest names in the industry.

Obstacles to Overcome

The Lightning Network’s liquidity model, which requires pre-funding, could pose potential challenges to its adoption as the primary rails for AI-driven payments, particularly in high-volume, autonomous systems. If Lightning channels lack sufficient liquidity, payments exceeding a channel’s balance could fail or require complex routing through multiple nodes. Even small liquidity gaps could force payments to take convoluted routes across multiple nodes, increasing fees and latency.

For an AI agent to send payments autonomously, it must pre-fund Lightning channels with sufficient liquidity. This requires upfront capital (in BTC or stablecoins) and technical expertise to manage channels—a barrier for small-scale AI projects or those without dedicated DevOps teams. Without easy on-ramps or liquidity pools, adoption could stagnate.

This type of obstacle highlights the demand for companies to offer services that fill these gaps to ensure a smooth experience. Fortunately, the industry is full of passionate builders dead set on this very thing.

The Future Is Permissionless and Programmable

In the end, the rise of AI agents demands a new kind of financial infrastructure—one that is open, scalable, secure, and permissionless. In the AI-powered economy, speed, trust, and programmability will separate winners from laggards. Those who build on open, instant payment rails today won’t just participate in the future of money—they’ll define it.

Mentioned in this article
]]> https://earlybirdsinvest.com/the-ai-economy-needs-new-payment-rails-how-stablecoins-and-lightning-fit-the-bill/feed/ 0 57119 European Central Bank touts digital euro as key to payment security and inclusivity https://earlybirdsinvest.com/european-central-bank-touts-digital-euro-as-key-to-payment-security-and-inclusivity/ https://earlybirdsinvest.com/european-central-bank-touts-digital-euro-as-key-to-payment-security-and-inclusivity/#respond Thu, 04 Sep 2025 22:01:39 +0000 https://earlybirdsinvest.com/european-central-bank-touts-digital-euro-as-key-to-payment-security-and-inclusivity/

The European Central Bank said that its proposed digital euro would strengthen Europe’s defenses against cyber and infrastructure disruptions while ensuring broad access to digital payments.

Piero Cipollone, a member of the ECB’s Executive Board, told the European Parliament’s Economic and Monetary Affairs Committee that resilience and inclusiveness must be central features as the bloc prepares to complement physical cash with a central bank-issued digital version.

The remarks marked the ECB’s 14th update to lawmakers on the central bank digital currency project.

Building resilience in payments

Cipollone said Europe’s reliance on foreign payment providers exposes citizens to risks in times of crisis. He cited incidents ranging from undersea cable sabotage in the Baltic Sea to recent power outages in Spain and Portugal as examples of how vulnerable infrastructures can disrupt daily transactions.

He argued that the digital euro would provide “spare capacity” in the financial system by adding public payment rails alongside private solutions.

Planned safeguards include transaction processing across multiple regions, a mandatory ECB-run app to ensure continuity if banks are targeted by cyberattacks, and offline functionality that would allow peer-to-peer payments during power or network outages.

Ensuring inclusion for all citizens

Cipollone stressed that the digital euro must also serve Europeans at risk of being excluded from a cash-light economy.

He pointed to more than 30 million people in Europe who are blind or partially sighted, at least 34 million who are deaf or hard of hearing, and citizens with limited digital literacy.

The ECB said it is working with consumer groups to design adaptive interfaces, including voice commands and large-font displays, and will require payment providers to support its own app to guarantee basic access.

Local institutions such as post offices and libraries could also provide free support to those least familiar with digital tools.

]]> https://earlybirdsinvest.com/european-central-bank-touts-digital-euro-as-key-to-payment-security-and-inclusivity/feed/ 0 56784 Best Crypto Payment Gateways for Businesses in 2025 https://earlybirdsinvest.com/best-crypto-payment-gateways-for-businesses-in-2025/ https://earlybirdsinvest.com/best-crypto-payment-gateways-for-businesses-in-2025/#respond Tue, 02 Sep 2025 10:06:17 +0000 https://earlybirdsinvest.com/best-crypto-payment-gateways-for-businesses-in-2025/

Crypto payment gateways are platforms that enable businesses and individuals to accept cryptocurrencies as a form of payment for goods and services. These gateways facilitate the processing of cryptocurrency transactions, converting digital currencies into traditional fiat money or directly allowing the transfer of cryptocurrencies. They play a crucial role in the growing adoption of cryptocurrencies in e-commerce and retail, providing secure and efficient ways to handle transactions. By utilizing advanced technology, crypto payment gateways not only enhance the payment experience but also offer benefits like lower transaction fees, faster processing times, and increased security compared to traditional payment methods. As the landscape of digital finance evolves, understanding the functionality and advantages of these gateways becomes essential for anyone looking to engage with cryptocurrencies in 2025 and beyond.

The top rated crypto payment gateway in our list is NOWPayments because it offers a user-friendly interface, supports a wide variety of cryptocurrencies, and provides seamless integration options for businesses of all sizes. With competitive transaction fees and a focus on security, NOWPayments ensures that both merchants and customers have a smooth and safe payment experience. 

In 2025, it is crucial to select a reliable and trustworthy crypto payment gateway to ensure secure and efficient transactions. As the cryptocurrency market continues to evolve, the demand for dependable payment solutions will grow, making it essential for businesses and consumers alike to choose gateways that offer robust security features, user-friendly interfaces, and seamless integration with existing systems. By prioritizing these qualities, users can facilitate safe and efficient cryptocurrency transactions, enhancing their overall experience in the digital economy.

With that in mind, here are some of the best crypto payment gateways to consider for your business or personal use:

  1. NOWPayments

  2. CoinPayments

  3. Transak

  4. OpenNode

  5. Coinbase Commerce

Payment Gateway

Custody vs Non-Custody Solutions

Cryptocurrency Support

Fees & Transaction Costs

NOWPayments

Non-Custodial

Supports 300+ Cryptocurrencies (Bitcoin, Ethereum, etc.)

0.5%-1% Transaction Fees, No Hidden Costs

CoinPayments

Custodial & Non-Custodial

Supports 50+ Cryptocurrencies (Bitcoin, Ethereum, etc.)

0.5%-1% Transaction Fees

Transak

Custodial

Supports 10+ Cryptocurrencies (Bitcoin, Ethereum, etc.)

1%-2% Transaction Fees

OpenNode

Non-Custodial

Primarily Bitcoin Payments

1%-2% Transaction Fees

Coinbase Commerce

Non-Custodial

Supports 30+ Cryptocurrencies (Bitcoin, Ethereum, etc.)

No Fees for Receiving Crypto Payments

NOWPayments

NOWPayments stands out as one of the best crypto payment gateways in 2025, offering businesses an efficient and flexible solution to accept crypto payments seamlessly. With support for a wide range of crypto options and easy integration into existing systems, it allows businesses to accept cryptocurrency payments without the complexities often associated with traditional payment methods. As a leading crypto payment processor, NOWPayments provides a simple way for businesses to accept cryptocurrency from customers around the world, tapping into the growing crypto market.

Custody vs Non-Custody Solutions. NOWPayments operates as a non-custodial crypto payment gateway, meaning it does not hold onto merchants’ funds. This allows merchants to accept payments directly into their own crypto wallets, giving them full control over their crypto assets. This payment solution eliminates the need for intermediaries, reducing risks and enabling businesses to securely manage crypto transactions. Whether you’re accepting bitcoin payments or other cryptocurrencies, this payment method offers transparency and safety for both parties.

Cryptocurrency support. NOWPayments supports a wide range of crypto assets, allowing businesses to accept digital currencies such as Bitcoin, Ethereum, and over 300 other cryptocurrencies. This extensive support ensures that businesses can cater to a broad customer base, offering multiple payment options for users who prefer cryptocurrency payments. Whether a business is looking to accept bitcoin or other popular altcoins, NOWPayments provides the flexibility to manage various crypto payment solutions within one platform.

Fees & Transaction Costs. NOWPayments offers some of the most competitive fees among crypto payment gateways. With transaction fees typically ranging between 0.5% to 1%, businesses benefit from a cost-effective payment system that makes accepting crypto payments straightforward. The transparent fee structure ensures that businesses are not burdened by hidden charges, which is a common issue with traditional payment processors. By allowing businesses to convert crypto to fiat seamlessly, NOWPayments offers an attractive option for those looking to expand their payment options in the crypto market.

Reasons Why NOWPayments is The Best Crypto Payment Gateway

NOWPayments is among the best crypto payment gateways for businesses in 2025, supporting various cryptocurrencies like Bitcoin and Ethereum. Its non-custodial approach lets businesses maintain control over their crypto assets, with payments directly transferred to their wallets. With low fees of 0.5% to 1% and no hidden charges, it offers an affordable alternative to traditional processors. Security and compliance are prioritized, as NOWPayments adheres to KYC and AML regulations, ensuring safe digital currency acceptance. Advanced encryption and fraud detection provide a secure environment for merchants and customers. The platform also allows businesses to convert crypto to fiat, catering to both crypto users and traditional payment preferences, making it suitable for startups and large enterprises alike.

CoinPayments

CoinPayments is a widely used crypto payment gateway that allows businesses to accept cryptocurrency payments with ease. Supporting a wide range of crypto options, including Bitcoin, Ethereum, and other altcoins, CoinPayments provides a flexible payment platform for businesses to integrate crypto payments into their existing systems. As one of the most established crypto payment gateways in 2025, CoinPayments makes it simple for merchants to accept digital currencies and manage crypto transactions alongside more traditional payment methods.

Custody vs Non-Custody Solutions. CoinPayments offers both custodial and non-custodial options for businesses. The custodial solution involves CoinPayments holding funds temporarily on behalf of merchants, making it easier for businesses to manage their crypto assets without worrying about securing individual wallets. Alternatively, the non-custodial option allows businesses to retain control of their crypto wallet and ensure that funds go directly into their wallets after transactions. This flexibility in payment methods gives businesses the ability to choose the payment solution that best fits their needs.

Cryptocurrency Support. CoinPayments supports a wide range of crypto assets, with the ability to accept over 50 different cryptocurrencies including Bitcoin, Ethereum, and several other altcoins. This extensive support gives businesses the ability to cater to a diverse customer base and offer multiple payment options. Whether a merchant is looking to accept bitcoin or other popular digital currencies, CoinPayments offers a comprehensive crypto payment solution to manage various crypto payment methods efficiently.

Fees & Transaction Costs. CoinPayments offers a competitive fee structure, typically charging between 0.5% to 1% per transaction, depending on the cryptocurrency and volume. This makes CoinPayments an affordable crypto payment gateway, with transparent costs that allow businesses to manage their budgets effectively. In addition to low transaction fees, CoinPayments also supports crypto to fiat conversions, helping businesses easily manage their crypto assets and expand their payment options to include both digital currencies and fiat payments.

Transak

Transak is a crypto payment gateway designed to simplify the process for businesses looking to accept cryptocurrency payments. Offering a wide range of payment methods, it supports both fiat and crypto transactions, allowing businesses to easily accept payments in cryptocurrencies such as Bitcoin and Ethereum. Transak is an accessible platform that enables merchants to integrate crypto payments into their existing payment systems, offering a user-friendly experience for both businesses and customers. As a solid choice for merchants in 2025, Transak makes it easier to accept digital currencies in a secure and efficient way.

Custody vs Non-Custody Solutions. Transak provides custodial services, meaning that funds are temporarily held on the platform before being transferred to merchants. This is beneficial for businesses that prefer a simplified payment process without needing to manage individual crypto wallets. While the custodial option offers ease of use, businesses can still manage their crypto assets efficiently, with options to convert crypto to fiat when needed. Transak’s flexible approach provides businesses with a straightforward payment method that is both secure and convenient.

Cryptocurrency Support. Transak supports a wide range of crypto assets, including major cryptocurrencies such as Bitcoin and Ethereum, along with other popular altcoins. This makes it easy for businesses to accept digital currencies from their customers, increasing their reach in the expanding crypto market. By providing access to a variety of payment options, Transak ensures that businesses can cater to both crypto enthusiasts and those who prefer more traditional methods of payment.

Fees & Transaction Costs. Transak offers competitive fees, generally ranging from 1% to 2%, depending on the cryptocurrency payment method and transaction volume. These fees are transparent, allowing businesses to easily understand their payment costs. With low transaction fees compared to traditional payment processors, Transak is a cost-effective solution for merchants looking to expand their payment options and accept cryptocurrencies. Additionally, the platform’s ability to handle crypto to fiat conversions gives businesses more flexibility in managing their crypto payment solutions.

OpenNode

OpenNode is a crypto payment gateway that allows businesses to accept cryptocurrency payments efficiently and securely. Specializing in Bitcoin payments, OpenNode provides a reliable platform for merchants to process crypto transactions and integrate crypto payments into their existing payment systems. With its user-friendly interface and robust features, OpenNode is a practical solution for businesses in 2025 looking to expand their payment options and tap into the growing crypto market. It enables businesses to accept digital currencies seamlessly while maintaining a focus on security and simplicity.

Custody vs Non-Custody Solutions. OpenNode offers non-custodial services, allowing businesses to retain full control over their crypto assets. With the non-custodial solution, funds are sent directly to the merchant’s crypto wallet after each transaction, giving businesses the ability to manage their crypto payments independently. This feature provides a level of autonomy that many businesses prefer when handling cryptocurrency payments. However, OpenNode also offers the option to convert crypto to fiat, making it a versatile solution for businesses looking for flexibility in their payment process.

Cryptocurrency Support. OpenNode primarily supports Bitcoin, making it an ideal choice for businesses focused on Bitcoin payments. However, it also offers integration with other crypto payment solutions to enable businesses to accept digital currencies beyond Bitcoin. While it may not offer the wide variety of coins supported by other platforms, OpenNode’s focus on Bitcoin positions it as a trusted crypto payment processor for businesses in the crypto market.

Fees & Transaction Costs. OpenNode offers competitive fees, with a transaction fee structure that ranges from 1% to 2% depending on the cryptocurrency and transaction volume. These fees are relatively low compared to traditional payment processors, making OpenNode an affordable option for businesses looking to process crypto payments efficiently. In addition, the platform provides a transparent pricing structure, so businesses know exactly what to expect in terms of payment processing costs. By offering crypto payment solutions that support both Bitcoin payment and fiat conversion, OpenNode enables businesses to manage their crypto transactions in a cost-effective manner.

Coinbase Commerce

Coinbase Commerce is a crypto payment gateway that enables businesses to easily accept cryptocurrency payments through a user-friendly platform. As part of Coinbase, one of the most recognized names in the crypto market, Coinbase Commerce allows merchants to process crypto transactions securely and efficiently. Businesses can accept Bitcoin, Ethereum, and other major cryptocurrencies, making it an accessible payment solution for companies looking to integrate crypto payments into their existing payment systems. With its focus on simplicity and ease of use, Coinbase Commerce is a solid option for businesses in 2025 looking to expand their payment options and cater to the growing demand for digital currencies.

Custody vs Non-Custody Solutions. Coinbase Commerce operates as a non-custodial crypto payment gateway, which means that funds are transferred directly to the merchant’s crypto wallet. This gives businesses full control over their crypto assets, with no third-party involvement in holding funds. This non-custodial feature ensures transparency and security, allowing businesses to manage their cryptocurrency payments with peace of mind. However, Coinbase Commerce also offers the ability to convert crypto to fiat, giving businesses the flexibility to manage both crypto and fiat currencies within the same system.

Cryptocurrency Support. Coinbase Commerce supports a wide range of crypto assets, including Bitcoin, Ethereum, and other major cryptocurrencies, allowing businesses to accept digital currencies from a diverse customer base. This support makes Coinbase Commerce a versatile crypto payment platform that can accommodate various customer preferences. With its ability to process popular cryptocurrency payments, Coinbase Commerce is a trusted crypto payment gateway for businesses looking to expand their payment options and accept more cryptocurrency payment solutions.

Fees & Transaction Costs. Coinbase Commerce offers competitive fees, with transaction costs that are relatively low compared to traditional payment processors. There are no fees for receiving crypto payments, which makes it an affordable option for businesses looking to accept crypto payments without added financial burden. This payment processing capability is particularly attractive for businesses in the crypto market looking to reduce transaction costs. Additionally, Coinbase Commerce supports the ability to convert crypto to fiat, giving businesses greater flexibility in managing their finances while benefiting from low-cost crypto transactions.

Conclusion

As we approach 2025, choosing the best crypto payment gateways becomes crucial for businesses aiming to enhance their payment experience. The top crypto payment gateways enable merchants to accept cryptocurrencies seamlessly while providing reliable crypto payment solutions. Among the leading crypto payment gateway providers, NOWPayments stands out due to its competitive fees and wide cryptocurrency support, allowing businesses to accept a variety of digital currencies. This gateway provider offers a secure payment gateway solution that simplifies the payment process and integrates easily into existing systems. By adopting a crypto payment gateway, businesses can not only expand their payment options but also take advantage of the benefits of crypto, such as lower transaction costs compared to conventional payment methods. As the landscape of crypto transactions evolves, it is essential for merchants to choose the best cryptocurrency payment gateway that meets their needs and offers a seamless payment experience for their customers.

]]> https://earlybirdsinvest.com/best-crypto-payment-gateways-for-businesses-in-2025/feed/ 0 56369 Finastra and Circle Bring USDC Settlement to $5T Daily Cross-Border Payment Flows https://earlybirdsinvest.com/finastra-and-circle-bring-usdc-settlement-to-5t-daily-cross-border-payment-flows/ https://earlybirdsinvest.com/finastra-and-circle-bring-usdc-settlement-to-5t-daily-cross-border-payment-flows/#respond Wed, 27 Aug 2025 18:36:47 +0000 https://earlybirdsinvest.com/finastra-and-circle-bring-usdc-settlement-to-5t-daily-cross-border-payment-flows/

Journalist

Tanzeel Akhtar

Journalist

Tanzeel Akhtar

About Author

Tanzeel Akhtar is a seasoned journalist who has been reporting on cryptocurrency and blockchain technology since 2015. Her work has appeared in leading publications including The Wall Street Journal,…

Last updated: 

Circle Customer Loyalty

Finastra, a financial services software firm, has announced a collaboration with Circle Internet Group, Inc. (NYSE: CRCL), a stablecoin firm, to allow banks to integrate USDC settlement into cross-border payment flows.

In an announcement, the firm explains that this initiative will use Finastra’s payment hub solutions, including Global PAYplus (GPP), marking the first time Finastra will connect financial institutions to Circle’s payment infrastructure.

The companies said the partnership will also allow for faster international transfers by combining Finastra’s banking network’s scalability with USDC’s stability and transparency.

USDC Settlement Option

Through this collaboration, Finastra’s GPP customers—already processing over $5 trillion in cross-border transactions daily—will be able to settle transactions in USDC, even when underlying payment instructions remain denominated in fiat currencies.

This new option reduces reliance on traditional correspondent banking networks, allowing banks to accelerate settlement times without compromising compliance requirements or foreign exchange processes.

Empowering Banks With New Options

“This collaboration is about giving banks the tools they need to innovate in cross-border payments without having to build a standalone payment processing infrastructure,” said Chris Walters, CEO of Finastra.

He explained that by linking Finastra’s payment hub to Circle’s blockchain-based settlement infrastructure, banks can explore payment models while maintaining operational continuity.

Expanding USDC’s Global Role

“Finastra’s reach and expertise in powering the payments infrastructure for leading banks worldwide makes them a natural choice to further expand USDC settlement in cross-border flows,” said Jeremy Allaire, co-founder, chairman, and CEO of Circle.

With stablecoin adoption gaining momentum, the Finastra-Circle partnership represents a major move in reshaping international payments.

Circle Debuts Layer-1 Blockchain Arc Using USDC for Native Gas

Earlier this month, Circle unveiled Arc, an open Layer-1 blockchain designed specifically for stablecoin finance. This marks what the company calls a “defining moment” as it moves toward developing a full-stack internet financial platform.

The announcement came alongside Circle’s fiscal Q2 2025 results, which showed substantial growth in its core business. Circle reported that USDC in circulation surged 90% year-over-year to $61.3 billion, reaching $65.2 billion as of August 10, 2025. Total revenue and reserve income grew 53% to $658 million, while adjusted EBITDA climbed 52% to $126 million.

The company posted a net loss of $482 million, primarily due to $591 million in non-cash charges tied to its June IPO. That offering raised $1.2 billion, with 19.9 million newly issued shares sold at $31 each, generating $583 million in net proceeds.

CEO Jeremy Allaire described the IPO as a “pivotal moment” for Circle and for the broader adoption of stablecoins, noting accelerating interest from global financial institutions and internet companies.


]]> https://earlybirdsinvest.com/finastra-and-circle-bring-usdc-settlement-to-5t-daily-cross-border-payment-flows/feed/ 0 55412 Thailand plans launch of a crypto payment sandbox for tourists https://earlybirdsinvest.com/thailand-plans-launch-of-a-crypto-payment-sandbox-for-tourists/ https://earlybirdsinvest.com/thailand-plans-launch-of-a-crypto-payment-sandbox-for-tourists/#respond Mon, 18 Aug 2025 03:44:46 +0000 https://earlybirdsinvest.com/thailand-plans-launch-of-a-crypto-payment-sandbox-for-tourists/

Thailand is reportedly planning a nationwide regulatory sandbox allowing foreign visitors to convert crypto into local currency for electronic payments in a bid to boost tourism.

Known as TouristDigiPay, the scheme is expected to go live on Monday and allow users to exchange cryptocurrencies for Thai baht and make electronic payments through e-money service providers, according to a report on Saturday from local newspaper The Nation.

Only tourists in Thailand will be eligible to use the service after undergoing Know Your Customer due diligence checks and opening an account with a digital asset business and an e-money provider regulated by the Bank of Thailand and the country’s Securities and Exchange Commission.

There will also be safeguards such as monthly spending limits and a block on direct cash withdrawals. However, full details on the TouristDigiPay initiative will reportedly be released on Monday by Deputy Prime Minister and Finance Minister Pichai Chunhavajira.

Deputy Prime Minister and Finance Minister Pichai Chunhavajira is expected to release the full details of the TouristDigiPay on Monday. Source: Pichai Chunhavajira

Officials hope crypto can boost tourism

The TouristDigiPay scheme is an attempt to breathe new life into Thailand’s tourism industry, and a direct response to the slowdown in foreign visitors, especially from China, which has long been considered a cornerstone of the industry, The Nation reported.

Thailand welcomed around 16.8 million tourists in the first half of 2025, down from 17.7 million the same time last year, with a 24% drop in tourists from East Asia and a 34% fall in visitor numbers from China, think tank The World Tourism Institute said in a July 10 report. 

The report said tourists are eyeing other countries in the region, such as Japan with its weaker Japanese yen making it more affordable, and the comparatively cheaper Vietnam.

“Thailand’s 5% tourism decline in 2025 underlines the urgent need for diversification, market repositioning, and enhanced visitor experiences to compete in a changing regional landscape,” the report said.

Thailand still experimenting with crypto

Using crypto to stimulate tourism has been under review by the Thai government, with the country’s SEC completing a public consultation on the use of financial innovation and digital assets to support economic and tourism growth on Aug. 13.

Chunhavajira first announced the TouristDigiPay initiative during an investment seminar in Bangkok on May 26.

Related: Thailand to block Bybit, OKX and other crypto exchanges on June 28

It followed an announcement in January about a trial to allow foreign visitors to pay for goods and services using cryptocurrencies in Phuket, one of Thailand’s most popular tourist destinations. The trial is still in the works. 

Countries and businesses adopting crypto to attract tourists

The Kingdom of Bhutan in South Asia has also taken steps to integrate crypto payments into its tourism infrastructure, such as the partnership between Binance Pay and local bank DK Bank to let users pay for their expenses using crypto.

Jeff Bezos’s Blue Origin inked a deal with Shift4 Payments on Aug. 11, offering customers the option to pay for outer space trips in Bitcoin (BTC), Ether (ETH), Solana (SOL) and Stablecoins such as USDT (USDT) and USDC (USDC).

Meanwhile, in July, the United Arab Emirates signed an agreement with Crypto.com to allow passengers to pay for flights and in-flight purchases using crypto. 

Magazine: Coinbase calls for ‘full-scale’ alt season, Ether eyes $6K: Hodler’s Digest, Aug. 10 – 16

]]> https://earlybirdsinvest.com/thailand-plans-launch-of-a-crypto-payment-sandbox-for-tourists/feed/ 0 53761 XRP Ledger Used by Nasdaq-Listed Pharma Distributor to Power Payment System for Pharmacies https://earlybirdsinvest.com/xrp-ledger-used-by-nasdaq-listed-pharma-distributor-to-power-payment-system-for-pharmacies/ https://earlybirdsinvest.com/xrp-ledger-used-by-nasdaq-listed-pharma-distributor-to-power-payment-system-for-pharmacies/#respond Sat, 16 Aug 2025 12:40:55 +0000 https://earlybirdsinvest.com/xrp-ledger-used-by-nasdaq-listed-pharma-distributor-to-power-payment-system-for-pharmacies/

Wellgistics Health Inc. is deploying an XRP Ledger-based payment system for thousands of pharmacies across the United States, deepening its bet on blockchain as it looks to overhaul healthcare finance.

The Nasdaq-listed distributor (WGRX) has announced that its new platform enables independent pharmacies to pay for drug inventory and move funds instantly, bypassing banking delays and high credit card fees.

Integrated with RxERP, a serialized pharmaceutical e-commerce and enterprise resource planning system, the program promises real-time tracking, lower costs, and direct settlement between pharmacies and distributors. Pharmacies can now enroll in the beta version of the program.

The system is built on the XRP Ledger (XRPL), an open-source blockchain with core development led by Ripple Labs. With a network of more than 6,500 pharmacies and 200 manufacturers, Wellgistics is one of the first healthcare companies to launch an XRPL payment solution at scale. Chief Executive Brian Norton said pharmacy owners have embraced the initiative, calling them more forward-thinking on blockchain than many in the industry assume.

The program enables pharmacies to settle invoices over XRPL, though Wellgistics has not disclosed whether participants must hold XRP directly or use fiat-to-XRP conversions for settlement.

The program was designed to meet strict compliance standards, including HIPAA and anti-money laundering requirements. After the pharmacy rollout, Wellgistics plans to extend the platform to manufacturers and test direct-to-patient programs, allowing medications to be shipped from drugmakers directly to patients under physician oversight.

The initiative builds on a May 8 announcement that Wellgistics intends to use XRP not just for payments but also as a treasury reserve asset. That plan is backed by a $50 million equity line of credit, which management said would support programmable liquidity and on-demand financial infrastructure across its healthcare network.

Founded as Wellgistics LLC in 2016, the company was acquired by Danam Health in September 2024 before being spun off through an initial public offering in February 2025. Today, Wellgistics Health operates as a standalone Nasdaq-listed entity, providing wholesale distribution, prescription routing, and AI-powered hub services to pharmacies nationwide.

Shares have dropped more than 80% since the February debut. They closed Tuesday at $0.62, down 7%, before rising to $0.65 in after-hours trading.

By linking pharmacy payments to the XRP Ledger while preparing to hold XRP on its balance sheet, Wellgistics is positioning itself as both a user and financial backer of the blockchain. The dual-pronged approach marks a rare instance of a publicly traded healthcare company integrating crypto into both operations and treasury management.

]]> https://earlybirdsinvest.com/xrp-ledger-used-by-nasdaq-listed-pharma-distributor-to-power-payment-system-for-pharmacies/feed/ 0 53493 Blink Payment Taps Cashflows as Acquiring Partner to Enhance Payment Capabilities Across Financial, Legal, and Trade Sectors https://earlybirdsinvest.com/blink-payment-taps-cashflows-as-acquiring-partner-to-enhance-payment-capabilities-across-financial-legal-and-trade-sectors/ https://earlybirdsinvest.com/blink-payment-taps-cashflows-as-acquiring-partner-to-enhance-payment-capabilities-across-financial-legal-and-trade-sectors/#respond Tue, 05 Aug 2025 14:20:16 +0000 https://earlybirdsinvest.com/blink-payment-taps-cashflows-as-acquiring-partner-to-enhance-payment-capabilities-across-financial-legal-and-trade-sectors/
Cashflows Blink Payment Partnership for scalable merchant payments

The Cashflows Blink Payment Partnership introduces a strategic collaboration to enhance B2B payment solutions. Blink Payment gains from faster merchant onboarding and broader payment acceptance across sectors like financial services, insurance, and property management as a result of Cashflows becoming as a significant acquiring partner.

The partnership positions Cashflows as a Blink Payment key acquiring partner, enabling Blink Payment to leverage Cashflows’ robust and responsive acquiring infrastructure. In return, enhancing Blink Payment’s powerful front-end payments platform, renowned for its intuitive payment links, seamless API connectivity, and integrations with widely-used accounting software such as Xero and QuickBooks.

“Blink Payment has shown a deep understanding of the payments landscape and a clear commitment to delivering high-quality, flexible payment experiences to merchants,” said Paul Clarke, Chief Product and Innovation Officer at Cashflows. “This partnership allows us to support Blink Payment’s ambition to scale quickly and securely, while helping merchants across key sectors go live faster and accept a broader range of payments.”

A key objective of the partnership is to significantly reduce the time it takes for merchants to start transacting, helping Blink Payment expand its payment acceptance capabilities and accelerate speed to market. Through Cashflows’ modern and flexible infrastructure, Blink Payment aims to streamline onboarding processes and offer faster, more comprehensive access to a range of payment methods for its customers.

The joint offering supports card payments, direct debits, open banking, and digital wallets such as Apple Pay and Google Pay, providing merchants with versatile, reliable solutions that help them get paid faster and more efficiently.

This is particularly valuable for Blink Payment’s core sectors, which include:

  • Veterinary and healthcare providers
  • Builder & Timber merchants
  • Waste Management & Skip Hire​

“We selected Cashflows because of their technology-first mindset, responsiveness, and strong reputation for collaboration,” said Ari Eder, Strategic Growth Director at Blink Payment. “Our priority is to widen payment acceptance and reduce the time it takes to get customers live. With Cashflows, we’re achieving both while also opening up future opportunities to jointly explore new verticals.”

The partnership is already in place with external launch activities now ramping up to a strategic future built on collaborative opportunities. Both companies are committed to delivering a frictionless onboarding experience, enabling merchants to go live faster and start accepting payments with minimal friction.

“This partnership is about delivering more than just functional integrations, it’s about providing smarter, scalable payment experiences to our customers,” added Ben Cohen, CEO, Blink Payment. “We’re proud to be working with a like-minded partner in Cashflows as we continue to build momentum in our strategic verticals.”

With the Cashflows Blink Payment Partnership, both companies are well-positioned to provide flexible B2B payment options, expand their sector reach, and accelerate onboarding.


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]]> https://earlybirdsinvest.com/blink-payment-taps-cashflows-as-acquiring-partner-to-enhance-payment-capabilities-across-financial-legal-and-trade-sectors/feed/ 0 51610 Visa and Mastercard’s Payment Dominance Not Threatened by Stablecoins, According to Execs https://earlybirdsinvest.com/visa-and-mastercards-payment-dominance-not-threatened-by-stablecoins-according-to-execs/ https://earlybirdsinvest.com/visa-and-mastercards-payment-dominance-not-threatened-by-stablecoins-according-to-execs/#respond Sun, 03 Aug 2025 19:27:35 +0000 https://earlybirdsinvest.com/visa-and-mastercards-payment-dominance-not-threatened-by-stablecoins-according-to-execs/

The two biggest payment companies in the world are not concerned about a potential threat to their business model from stablecoins.

In the companies’ latest earnings calls, executives from Visa and Mastercard – which handle $13.2 trillion and $8 trillion in payments globally per year, respectively – signaled that the giants were ready to embrace rather than fight stablecoins.

Says Visa CEO Ryan McInerney,

“…Stablecoins could enable us to have faster cross-border transactions. By the way, that’s true for consumers or for businesses. And we’ve been testing that out and having some good results. We’ve been testing a series of corridors and putting stablecoins to work directly versus the fiat currency money movement options that we’re able to deliver to our clients and their users today…

I do think, as I said in my prepared remarks, that there is real product market fit for stablecoins in remittances for certain corridors. And as the largest money movement platform around the world, we’re going to be an early adopter of a lot of those things on behalf of our clients and their end users.”

And in Mastercard’s Q2 earnings call, CEO Michael Miebach also suggested that stablecoins weren’t so much of a threat to the company, but an asset to augment its services.

“And as to stablecoins, we see this as another currency. We also see it as additive to the network with opportunities for us to provide the on and off ramps from fiat to stablecoin to partner with [ advice ] and wallets to bring interoperability, bring relevant services, bring global reach and trust to the specific use cases. With new technologies, we always embrace innovation.”

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]]> https://earlybirdsinvest.com/visa-and-mastercards-payment-dominance-not-threatened-by-stablecoins-according-to-execs/feed/ 0 51284 Weekly HYIP Payment Report (22 – 29 July 2025) https://earlybirdsinvest.com/weekly-hyip-payment-report-22-29-july-2025/ https://earlybirdsinvest.com/weekly-hyip-payment-report-22-29-july-2025/#respond Wed, 30 Jul 2025 05:17:13 +0000 https://earlybirdsinvest.com/weekly-hyip-payment-report-22-29-july-2025/

As part of our ongoing monitoring at Bestbtcsites.com, we’ve compiled a detailed summary of all verified payments received from the listed HYIP platforms between 22 and 29 July 2025. This overview is strictly based on our own investments and recorded transactions, providing transparent insight into the current payout behavior of each project. Each entry reflects actual payment activity, helping users better understand which platforms are actively processing withdrawals.

Weekly HYIP Payment Report (09 – 16 July 2025)

🔹 CRYPTO BOTICS (New Project on blog) – Premium List

  • 💵 Investment Amount: $100

  • ⚡ Payment Type: Instant

  • 💰 Minimum Deposit: $10

  • 🤝 Referral Commission: 5% – 2% – 1%

  • 🎁 RCB Offer: 100%

Date of transaction: 29.07.2025 06:09

Note: Withdraw to BestBtcSitesCom from Crypto Botics Limited

Date of transaction: 25.07.2025 17:29

Note: Withdraw to BestBtcSitesCom from Crypto Botics Limited

Explanation: The Crypto Botics project was added to our blog about four days ago, and we have received two separate payments during this short period. Both transactions were processed instantly via the EpayCore wallet. While the payment amounts were relatively small, the prompt and smooth execution reflects that the system is functioning technically as intended.

Since the project is still new, it is too early to make a definitive judgment on its long-term payment behavior. However, the initial activity suggests that operations are currently proceeding as planned. We will continue to monitor the platform closely in the coming weeks.

CRYPTO BOTICS (New Project on blog) – Premium List

🔹 FELOS LIMITED – Premium List

  • 💵 Investment Amount: $100

  • ⚡ Payment Type: Instant

  • 💰 Minimum Deposit: $20

  • 🤝 Referral Commission: 5% – 3% – 1%

  • 🎁 RCB Offer: 100%

Date of transaction: 29.07.2025 06:09

Note: Withdraw to BestBtcSitesCom from FELOS LIMITED

Date of transaction: 28.07.2025 06:14

Note: Withdraw to BestBtcSitesCom from FELOS LIMITED

Date of transaction: 26.07.2025 17:23

Note: Withdraw to BestBtcSitesCom from FELOS LIMITED

Date of transaction: 25.07.2025 08:18

Note: Withdraw to BestBtcSitesCom from FELOS LIMITED

Date of transaction: 24.07.2025 06:39

Note: Withdraw to BestBtcSitesCom from FELOS LIMITED

Date of transaction: 23.07.2025 06:06

Note: Withdraw to BestBtcSitesCom from FELOS LIMITED

Date of transaction: 22.07.2025 06:24

Note: Withdraw to BestBtcSitesCom from FELOS LIMITED

Explanation: Between July 22 and July 29, 2025, we recorded seven separate micro-payments from Felos Limited, totaling $8 USD. All transactions were processed via EpayCore and completed automatically without user intervention. This level of automation may indicate that the platform’s withdrawal system is currently operational.

Although each payment amount was modest, the daily consistency and lack of delays suggest that the system is at least technically functional during this period. As Felos Limited was only recently listed on our blog, we are still in the early stages of collecting data and observing its behavior. Future payment trends will provide a clearer picture of its overall performance.

FELOS LIMITED – Premium List

🔸 SOLFORGE – Gold List

  • 💵 Investment Amount: $50

  • ⚡ Payment Type: Manual

  • 💰 Minimum Deposit: $10

  • 🤝 Referral Commission: 5% – 2% – 1%

  • 🎁 RCB Offer: 100%

Date of transaction: 29.07.2025 04:10

Note: Withdraw to BestBtcSitesCom from SOLFORGE

Date of transaction: 26.07.2025 05:24

Note: Withdraw to BestBtcSitesCom from SOLFORGE

Date of transaction: 24.07.2025 05:32

Note: Withdraw to BestBtcSitesCom from SOLFORGE

Date of transaction: 23.07.2025 15:46

Note: Withdraw to BestBtcSitesCom from SOLFORGE

Date of transaction: 22.07.2025 06:17

Note: Withdraw to BestBtcSitesCom from SOLFORGE

Explanation: Between 22–29 July 2025, a total of five separate payments were received from SolForge, totaling $37. Each transaction was manually processed and completed within the expected time frame, without any delays or technical issues.

The consistency in these payments suggests that the platform is currently functioning as expected. While this alone does not guarantee long-term performance, it does offer a snapshot of the system’s current payout behavior. We will continue to monitor the project’s transaction patterns in the coming weeks to better understand its overall reliability.

SOLFORGE – Gold List

💎 RAGFI – Diamond List (SCAM)

  • 💵 Investment Amount: $200

  • ⚡ Payment Type: Manual (1–24 hours)

  • 💰 Minimum Deposit: $20

  • 🤝 Referral Commission: 10%

  • 🎁 RCB Offer: 100%

The Ragfi platform has ceased all payments and there is currently no expectation of further payouts. Therefore, it is strongly advised that investors avoid making any new investments in this project. Due to ongoing payment issues, Ragfi has been moved to our Scam List on the blog. Investors are urged to carefully monitor updated information and the status of listed projects before committing any funds.

RAGFI – Diamond List

🟣 MARSSES – VIP List

  • 💵 Investment Amount: $350

  • ⚡ Payment Type: Manual (1–72 hours)

  • 💰 Minimum Deposit: $25

  • 🤝 Referral Commission: 4% – 10%

  • 🎁 RCB Offer: 100%

7.21 USD (USDT-BEP20) has been successfully received… https://bscscan.com/tx/0xe27ff55a23ad0245832346edce901a7c31e4ccd79b4c1f7f9da8fb9f785d0861

Explanation: During this week, Marsses processed three separate transactions totaling $14.38, all confirmed on the BEP-20 network. Each payment was completed within the expected timeframe, reflecting the platform’s current operational status. Although the individual payment amounts are modest, they contribute valuable insight into the ongoing activity of the project. Additionally, Marsses’ extended presence in the market adds context to its overall reliability. Continuous observation will help clarify the platform’s payment consistency moving forward.

MARSSES – VIP List

🟡 SELWIX – VIP List

  • 💵 Investment Amount: $1720

  • ⚡ Payment Type: Manual (1–72 hours)

  • 💰 Minimum Deposit: $15

  • 🤝 Referral Commission: 4% – 6%

Date of transaction: 29.07.2025 10:22

Note: Withdraw to BestBtcSitesCom from SELWIX

Date of transaction: 25.07.2025 15:49

Note: Withdraw to BestBtcSitesCom from SELWIX

Date of transaction: 24.07.2025 12:16

Note: Withdraw to BestBtcSitesCom from SELWIX

Date of transaction: 23.07.2025 13:07

Note: Withdraw to BestBtcSitesCom from SELWIX

Date of transaction: 22.07.2025 15:24

Note: Withdraw to BestBtcSitesCom from SELWIX

Explanation: This week, Selwix made a total of five payments via EpayCore amounting to $15, alongside a separate transaction of $10.38 paid in Solana (SOL), verified on-chain. The EpayCore withdrawals were processed on consecutive days between July 22 and July 29, with each payment between $3. These frequent and timely payments suggest that the platform remains actively processing withdrawals.

Although the payment amounts are modest relative to the total investment, their regularity reflects ongoing operational activity. The use of Solana as a payment method adds variety to the transaction channels. Continued observation will provide a more comprehensive understanding of Selwix’s payout reliability.

SELWIX – VIP List

📢 Important Note For Weekly HYIP Payment Report:

To stay updated on the latest developments, we recommend regularly checking the individual review pages of each project listed in this weekly HYIP payment report. These pages are frequently updated with real-time payment proofs and withdrawal records, allowing you to independently verify ongoing payout activity.

⚠ Key Reminders for HYIP Investments

While high-yield platforms may appear promising, they always carry risk. Please keep the following in mind:

  • Never invest more than you’re willing to lose

  • Past payment history doesn’t guarantee future returns

  • Follow project updates and reviews regularly on Bestbtcsites.com

  • Prioritize payment proofs and user feedback over marketing claims

Stay Updated!

Every week, we’ll continue to publish the latest payment proofs and project evaluations. Visit Bestbtcsites.com regularly for real insights and transparent HYIP tracking.

See you in the next report!

]]> https://earlybirdsinvest.com/weekly-hyip-payment-report-22-29-july-2025/feed/ 0 50429 PayPal’s new crypto payment service slashes international transaction fees by 90% https://earlybirdsinvest.com/paypals-new-crypto-payment-service-slashes-international-transaction-fees-by-90/ https://earlybirdsinvest.com/paypals-new-crypto-payment-service-slashes-international-transaction-fees-by-90/#respond Mon, 28 Jul 2025 19:39:48 +0000 https://earlybirdsinvest.com/paypals-new-crypto-payment-service-slashes-international-transaction-fees-by-90/

PayPal has launched a new initiative, “Pay with Crypto,” aimed at streamlining global commerce and significantly reducing the cost of cross-border transactions, according to a July 28 statement.

According to the company, the service offers merchants a 90% reduction in international transaction fees compared to traditional credit card processors.

Pay with crypto

This is made possible by instant conversions from crypto into fiat or PayPal USD (PYUSD), its native stablecoin. The platform supports over 100 cryptocurrencies, including Bitcoin and Ethereum, and is compatible with major wallets like Coinbase and MetaMask.

PayPal estimates that this move opens access to over 650 million crypto users worldwide, allowing merchants to tap into a rapidly growing digital asset economy.

Alex Chriss, PayPal’s President and CEO, emphasized the program’s potential to eliminate long-standing barriers in international commerce.

He said:

“Imagine a shopper in Guatemala buying a special gift from a merchant in Oklahoma City. Using PayPal’s open platform, the business can accept crypto for payments, increase their profit margins, pay lower transaction fees, get near instant access to proceeds, and grow funds stored as PYUSD at 4% when held on PayPal.”

“Pay with Crypto” consolidates fiat and crypto payments into a single interface, giving consumers flexible payment options while empowering merchants to reach global markets. It also aligns with PayPal’s broader efforts to expand stablecoin usage and drive financial efficiency.

The initiative follows recent developments, including PayPal’s partnership with Fiserv to promote global stablecoin adoption.

PayPal World

Meanwhile, the company recently launched “PayPal World,” a new platform designed to connect major digital wallets and simplify cross-border commerce.

The initiative will debut with interoperability between five key players, including PayPal, Venmo, Tenpay Global, NPCI International (UPI), and Mercado Pago.

According to the firm, this reinforces its commitment to simplified, low-cost digital commerce. Chriss said:

“These innovations don’t just simplify payments—they drive merchant growth, expand consumer choice, and reduce costs. This is the future of inclusive, borderless commerce, and we’re proud to lead it.”

Mentioned in this article
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