Core Insights - ELLIPAL and PAYDAO have launched ELLIPAL Pay × PAYDAO, a self-custodial, on-chain Point-of-Sale payment ecosystem enabling native stablecoin payments at physical merchant locations [1][3] Payment Architecture - The new payment architecture separates authorization, settlement, and custody from traditional banks and centralized intermediaries, executing transactions directly through a decentralized payment protocol [3][4] - Unlike existing hybrid models that rely on traditional card networks and fiat currencies, ELLIPAL Pay × PAYDAO operates independently of banks and card networks, allowing for a more efficient payment process [4][5] Transaction Efficiency - The system allows for sub-1% transaction fees, real-time on-chain settlement, and irreversible transactions, addressing issues such as high fees and delayed settlements faced by merchants [6][8] - Each transaction is authorized locally on a self-custodial NFC payment card, signed offline, and settled directly in stablecoins [7][8] Comparison with Hybrid Models - A comparison highlights the differences between hybrid crypto payment models and ELLIPAL Pay × PAYDAO: - Custody Model: Self-custodial vs. custodial/semi-custodial - Settlement Layer: Decentralized payment protocol vs. traditional payment rails - Settlement Currency: Stablecoins vs. fiat (USD) - Bank Dependency: None vs. required - Settlement Speed: Real-time vs. T+1/T+2 - Chargebacks: Not possible vs. possible - Fee Structure: Sub-1% vs. 2-5% plus processing costs [9] Decentralized Deployment Model - The ecosystem introduces a decentralized deployment model allowing independent participants to deploy POS terminals, with rewards based on real transaction activity, promoting growth without centralized control [10] Future Outlook - The ELLIPAL Pay × PAYDAO ecosystem is currently in a validation phase with plans for multi-chain EVM integration in 2026 and broader merchant adoption in 2027, indicating a shift towards blockchain-native payment systems in global commerce [11]

Zug, Switzerland, November 25th, 2025, Chainwire TrustLinq enables cryptocurrency spending for individuals and businesses by facilitating direct crypto-to-fiat payments without a bank account. TrustLinq, a Swiss-regulated crypto-to-fiat payment intermediary, announced the launch of its pioneering crypto-to-fiat payment platform that enables cryptocurrency holders to send fiat payments directly from crypto holdings to anyone, anywhere in the world in over 70 local currencies. The platform, underpinned by S ...

【10月21日Tether战略投资加密支付初创公司KotaniPay】10月21日，Tether对加密支付初创公司 KotaniPay开展战略投资。 KotaniPay专注为非洲地区提供Web3用户与本地支付渠道衔接的入/出金基础 设施服务。 此次投资意在助力非洲个人和企业更便捷获取数字资产，降低其参与全球金融体系的门 槛。 本文由 AI 算法生成，仅作参考，不涉投资建议，使用风险自担 ...