The payments sector is about to take off? I've recently noticed an interesting development. This time, XRP made a big move with Mastercard—directly bringing credit card settlements onto the blockchain. They’re running a pilot using their own compliant stablecoin, RLUSD, on the XRP Ledger. Basically, this allows institutional transfers to be settled instantly, without waiting days for traditional banking systems to process transactions. This kind of disintermediation really maximizes efficiency. What's even more interesting is the timing. The market is currently watching the approval process for the US XRP spot ETF, with some analysts expecting news as early as mid-November. If approved, it could give a significant boost to the entire payments narrative. Traditional payment giants starting to seriously explore on-chain settlements suggests that this path is being validated. Of course, these are just pilots—large-scale adoption will depend on how things develop moving forward. But at least the direction is clear: payment infrastructure needs to be upgraded.

The significance of this message may be underestimated by many people. The world's top financial infrastructure is sending a signal: the gateway for cross-chain payments has been opened. The BTCFi track will be the biggest winner of this transformation. Everyone might think that XRP and SOL will be the main characters of this wave of good news. But the ones that can truly benefit are those underlying infrastructures that can support global value circulation and provide yield upgrades - such as Hemi. ——— **Traditional finance has opened a door to the blockchain** What are the core advantages of traditional finance? A mature payment system. What is the biggest pain point of blockchain? The entry experience is not friendly enough. But now the situation has changed: - You can complete the transaction directly with a card. - Real-time conversion of fiat currency into cryptocurrency assets - No need for complicated deposit and listing processes The meaning behind this is: ✔ Cryptographic assets are beginning to be included in the mainstream payment financial system. ✔ Ordinary users can participate without needing to understand the blockchain. ✔ The global adoption rate will grow at an exponential rate. And this wave of incremental funds impacts not only the payment sector, but more importantly, the **on-chain yield sector**. When the funds come in, they need to be placed somewhere to earn interest. This is exactly Hemi's domain. ——— **Payment is just the entry point, profit is the ultimate goal** Let's take a look at the evolutionary logic of the crypto world: | Stage | User Needs | Value Proposition | Core Track | |---|---|---|---| | Crypto 1.0 | As long as it can be transferred | BTC, Payment | Settlement Layer | | Crypto 2.0 | Want to increase asset value | ETH, DeFi | Asset layer | | Crypto 3.0 | Sustainable Earnings | BTCFi, Hemi | Earnings Layer ✅ | Payment allows more people to enter the market, but profits are what keep the funds in. Credit cards are just a channel; the real flow of funds is the revenue layer infrastructure like Hemi.