Crypto Payment Landscape - Crypto payment solutions have largely been considered unsuccessful since Bitcoin's inception [1] - EtherFi Card data indicates most transactions are small payments, ranging from $1 to $50 USD [1] - Onchain transactions, regardless of origin (crypto wallet or card swipe), settle on ETH L2s, Solana, etc, with gas fees [1] Challenges and Opportunities - Visa and Mastercard take a significant cut, but this may be a temporary situation [2] - New non-custodial crypto cards are developing their own payment rails, exemplified by Payy [2] - Crypto cards initially leverage Visa and Mastercard's reach [2] - Stronger rewards, such as cashbacks, collateral-backed credit, and yield, attract users [2] - Growth beyond the crypto niche could allow these networks to encroach on the legacy payment system [2] Future Prospects - Blockchain technology is already facilitating spending and driving stablecoin adoption [3] - The industry anticipates self-custody options and DeFi integration through EtherFi Cash in 2025 [3] - Users will no longer need to convert stablecoins to fiat currency [3]

Overview of X42 Protocol - X42 is an open payment protocol developed by Coinbase that enables websites and APIs to charge per request using stablecoins, facilitating microtransactions for both humans and AI agents [3][12] - The protocol addresses the web's original omission of a native way to pay for small things online without friction, aiming to bring pay-per-use back to the web in a programmable and instant manner [13] - Cloudflare and Coinbase established the X42 Foundation in September 2025 to promote a shared open approach to agent payments across the web, indicating a goal to scale beyond crypto-native circles [14] - Gartner analysts predict that machine customers, such as AI agents acting as buyers, will influence or participate in $30 trillion worth of purchases by 2030, highlighting the potential impact of X42 [15] Technical Aspects and Ecosystem - X42 functions by allowing a client (user or AI agent) to request something from a server, which responds with a 402 payment required message including the price and payment details; upon payment, the server provides the requested goods [17][18] - Coinbase operates a hosted facilitator that verifies and settles payments on-chain, processing USDC payments on Base without a facilitator fee; sellers can also self-host or use community facilitators [19] - The X42 discovery layer, or Bazaar, serves as a machine-readable index of servers that accept X42 payments, enabling AI agents and apps to discover available services and their costs [20][21] - Ethereum and Solana are closely involved, with X42 being implemented on Ethereum layer 2 Base and Solana, positioning these ecosystems at the forefront of real payment flows [24][25] Market Traction and Future Outlook - In October, X42 activity surged by over 10,000% in a 4-week period, reaching a record daily high of over 680,000 transactions, indicating substantial initial interest and usage [37] - Google's Agent Payments Protocol (AP2) has added support for an X42 extension via Coinbase's facilitator, linking X42 to an emerging agent standard from a major tech company [41] - Following the initial surge, trading volume decreased by over 90% from its peak, and daily transactions fell by more than half, suggesting that the initial hype outpaced market readiness [44] - The industry is monitoring ERC8004, a proposed Ethereum standard that would provide AI agents with a portable on-chain identity and shared registries for reputation and validation, which could significantly enhance the capabilities of Ethereum-based AI agents when paired with X42 [49][50]

Tangem pay is here and it allows for crypto payments on the polygon network! We sit down with Marcos Nunes who is head of Tangem pay to discuss the killer app for crypto. TANGEM PAY INFO - https://tangem.com/en/blog/post/about-tangem-pay/ The links below may include affiliate links, which means I may receive a commission at no cost to you if you make a purchase through a link. You DO NOT have to use the links but you will not receive any bonus if offered. Not investment advice. Crypto investing and trading ...

Product Overview - BitMart Card aims to redefine crypto spending globally [1] - The card seeks to seamlessly connect users' assets and lives through trust [1] Marketing & Vision - BitMart Card promotes a decentralized world and an open era of finance for the next generation [2] - The card is built on trust and connected to the future [2] Call to Action - Encourages users to apply for the BitMart Card [2]

Sequence Aims to Take the Complexity Out of Crypto Payments With Trails► https://t.co/Rgk8iMWygv https://t.co/Rgk8iMWygv ...

Crypto payments firm MoonPay will start issuing and managing stablecoins on behalf of clients https://t.co/UuIHl3kUhm ...

Core Viewpoint - EMCD has launched the EMCD Payment Card, enabling users to spend USDT at any location that accepts Mastercard, enhancing the usability of cryptocurrencies in everyday transactions [1][3]. Group 1: Product Features - The EMCD Payment Card can be issued within minutes after completing KYC and can be added to a mobile wallet instantly [2]. - The card is free to issue and has no monthly maintenance fee, facilitating easy spending of crypto for everyday goods and services [2]. - Users can top up the card directly from the EMCD Wallet without needing to switch between apps [3]. Group 2: Market Context - The global crypto payments sector is rapidly expanding, with stablecoins processing over $46 trillion in transaction volume in the past year, more than double the previous year [4]. - Research indicates that nearly 1 in 5 crypto owners will use digital assets for payments by 2026, up from 14.2% in 2024, highlighting the increasing demand for simple payment solutions [4]. Group 3: Company Overview - EMCD is a digital-asset ecosystem that integrates mining, storing, managing, and spending digital assets in one platform [5]. - Founded in 2017, EMCD has evolved from a Bitcoin mining operation to a comprehensive platform serving users and businesses globally [5].

Core Insights - Bybit Pay has launched in Sri Lanka, activating 100 merchants, including 50 physical point-of-sale systems and 50 digital integrations, to tap into the growing interest in digital payments [1][7] - Sri Lanka's high mobile penetration rate of over 130% and rapid digital adoption present a promising environment for crypto-enabled commerce [2][7] - The launch occurs despite the unregulated status of cryptocurrency in Sri Lanka, indicating a rising interest in alternative digital payment methods [4][7] Company Initiatives - Bybit Pay partners with Ceylon Cash through its CeyPay platform to connect Sri Lankan businesses to a global network of digital asset payments [1] - The platform allows merchants to accept digital assets easily, with settlement options available in both crypto and fiat [3] - Key features of Bybit Pay include instant proof-of-payment, ultra-fast settlement, and lower transaction costs compared to traditional systems [4] Market Context - The resurgence of tourism and local demand for faster, cheaper payment methods create an opportunity for Bybit to offer practical alternatives to traditional financial systems [2][7] - The combination of tech-savvy consumers and a diverse merchant landscape in Sri Lanka is conducive to the adoption of crypto payments [3]

Now live on BNB Chain: Holdstation Pay by @HoldstationW, making crypto payments frictionless for users.Note: This post is for informational purposes only and not financial advice. DYOR.https://t.co/Om7B7aypUrHoldstation - The DeFAI Smart Wallet (@HoldstationW):Crypto in everyday life with Holdstation PayWe are now LIVE on @BNBChain — turning your crypto into real-world payments with one QR scanFrom pro traders to first-timers, Holdstation Pay makes crypto transactions smooth on and off the chain.Empowering ...

Core Concept - x402 is presented as a payment layer integrated into the internet [1] - It leverages the HTTP code "402 Payment Required" for instant crypto payments [1] - The system aims to eliminate logins, subscriptions, and intermediaries [1] Functionality - Users gain access upon payment, described as simple and direct [1] - It supports various blockchains, making it chain-agnostic [1] - Designed to be developer-friendly [1] Potential Applications - x402 is positioned to enable on-demand, machine-to-machine payments [1]