BYDFi Card Officially Launches: One Card to Seamlessly Bridge Web3 Assets and Real-World Spending
Borderless Payments, Powered by Digital Assets
BYDFi Card eliminates the need to convert crypto into fiat through lengthy bank processes. Via services connected to traditional payment networks such as Visa, it delivers an all-in-one experience of wallet, trading, and payment. Once approved, users can top up with USDT and spend globally, both online and offline, in any currency supported by Visa—whether for shopping, subscriptions, or international services.
Key features include:
Global Payment Compatibility: Easily link your BYDFi Card to Apple Pay, Google Pay, PayPal, and more, making it a flexible choice for platforms that require card-based payments.
Fast Onboarding: Complete KYC in-app, submit a quick card activation request, and receive your virtual card shortly—no plastic required.
Optimized Usage Experience: Set spending caps, track transaction history, and enjoy smooth, seamless payments.
Who Needs BYDFi Card?
BYDFi Card is built for today's decentralized generation: Web3 users, DeFi traders, creators, and cross-border freelancers. Whether paying for subscriptions, spending trading profits, or covering travel and business expenses, it solves a key challenge—using crypto directly in daily life. For those earning in digital assets, traditional banking can be slow, costly, or inaccessible. BYDFi Card offers a fast and convenient alternative without relying on fiat intermediaries, delivering a smoother payment experience for users worldwide.
To mark the launch, BYDFi is offering early adopters exclusive benefits. Eligible users can receive a welcome package worth $88, benefit from 15% spending rebates, and participate in a trading competition with a total prize pool of $10,000.
The launch of BYDFi Card marks a key step in expanding BYDFi's service boundaries—from digital asset trading to real-world spending. It's not just a new product, but a practical solution that helps users turn crypto into everyday purchasing power. With BYDFi Card, the platform moves closer to its goal of building a comprehensive financial ecosystem where assets are not only stored or traded but also truly utilized.
'Making crypto truly usable in everyday life has always been part of our vision,' said Michael, Co-founder & CEO of BYDFi. 'With BYDFi Card, we're giving our users a trusted, convenient, and secure way to access their digital wealth, whether that's for business, lifestyle, or personal use. This is a major step toward building the financial infrastructure of the future.'
About BYDFi
Founded in 2020, BYDFi now serves over 1 million users across more than 190 countries and regions. Recognized by Forbes as one of the Best Crypto Exchanges & Apps for Beginners of 2025, BYDFi offers a full range of trading services—from Spot and Perpetual Contracts to Copy Trading, Automated Bots, and Onchain Tools—empowering both novice and experienced traders to navigate the digital asset market with confidence.
BYDFi is dedicated to delivering a world-class crypto trading experience for every user.
BUIDL Your Dream Finance.
Contact
Chloe

Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles


Time Business News
an hour ago
- Time Business News
Provide Liquidity in DeFi Pools Without the Risk of Impermanent Loss
What Is Impermanent Loss (IL)? Impermanent loss happens when you provide tokens to a liquidity pool and the price of one asset changes significantly compared to the other. The result: you may end up with less than if you had simply held the tokens separately. This issue is common on traditional decentralized exchanges (DEXes) like Uniswap, PancakeSwap, or SushiSwap. Example: You deposit $500 USDT and 0.25 ETH into a pool (with ETH priced at ~$2000). If ETH jumps to $2500 and you withdraw your funds, you'll end up with less ETH than you started with. Even with trading fees earned, your final return might be lower than just holding ETH. That's impermanent loss — unrealized profit lost due to auto-rebalancing. How Super Eliminates the Risk of Impermanent Loss The Super platform is engineered to minimize — or fully eliminate — the risk of impermanent loss through a combination of smart architecture, automation, and intelligent liquidity routing. 1. Automatic 24/7 Rebalancing Super constantly monitors market conditions and automatically reallocates your tokens across strategies and pools to maintain optimal balance and reduce loss. ✅ You don't need to manage anything manually — it's fully automated. 2. DeFi Optimization Algorithms Super leverages: Next-gen smart contracts Cross-chain liquidity analytics Machine learning to assess volatility and market risk This ensures your capital is always placed in the safest and most profitable positions across DeFi. 3. Dynamic Liquidity Routing Your tokens aren't locked in one place. Super dynamically moves liquidity between leading protocols like Curve, Uniswap, PancakeSwap, Sushi, and others. 🎯 The platform avoids volatile pools and always seeks the highest yield with the lowest risk. 4. Single-Sided Liquidity Pools With Super, you only deposit one token — USDT, ETH, TON, or another supported asset. The second token is automatically paired by the platform based on internal strategies and market conditions. 💡 That means: No impermanent loss risk for you No need to manage token ratios or provide pairs Easier entry for beginners Advanced liquidity optimization behind the scenes 5. Security and Transparency All Super liquidity pools and strategies: ✅ Are fully audited (Certik, Assure DeFi, Cyberscope) (Certik, Assure DeFi, Cyberscope) ✅ Operate via transparent smart contracts ✅ Provide open access to all performance data, contracts, and pool structure Liquidity Benefits: Super vs. Traditional DeFi Pools Who Should Use Super? New users looking for low-risk, automated DeFi income Experienced investors seeking optimized yield strategies Holders of stablecoins and major tokens (ETH, USDT, TON, SCORE, etc.) Conclusion Impermanent loss has long been a barrier to safe and sustainable liquidity provision in DeFi. With Super, you can earn high yields without exposing your capital to this risk — thanks to automated rebalancing, single-token deposits, advanced strategies, and full transparency. Start earning in DeFi — without impermanent loss — today: TIME BUSINESS NEWS


Forbes
3 hours ago
- Forbes
The $400B Fintech Gold Rush: Crypto Payment Rails
The financial plumbing powering our daily transactions is being rebuilt, and the infrastructure companies operating behind the scenes are reaping the benefits. When Sarah Chen tapped her Coinbase card to buy coffee in downtown San Francisco, the barista barely looked up as the payment cleared in seconds. Coinbase instantly converted her crypto to dollars and authorized the charge. The payment glided across Visa's network, processed through Stripe, and landed in the merchant's account. She walked away, unaware she had just taken part in a $400 billion gold rush. Fortunes here are made not in mines, but in the invisible highways of financial infrastructure. With crypto established as a legitimate asset class, held by ETFs and on the verge of inclusion in 401(k)s and retirement plans, the next leap is inevitable: spending it as effortlessly as cash. That shift isn't just a convenience upgrade; it's a multi-hundred-billion-dollar race to build the payment rails that let crypto flow through the same networks as fiat money. That gold rush isn't about flashy apps or the next hot token. It is about the payment backbone, the underlying systems powering a financial transformation most people never see but everyone increasingly depends on. The Last Mile Problem Sarah's seamless experience masks a deeper reality: for all its progress, crypto's core challenge remains unresolved. You might hold thousands in Bitcoin, but try buying groceries and you'll hit a wall of friction that makes spending feel like solving a Rubik's Cube in the checkout line with a timer ticking down. The solution isn't flashy; it's infrastructural. While consumer apps grab headlines and venture capital, the heavy lifting happens in the underlying systems: payment processors, compliance engines, and settlement networks that make crypto cards work at any merchant accepting traditional payment methods such as Visa, Mastercard, AmEx, Apple Pay, Google Pay, or PayPal. Think about the hidden complexity behind Sarah's coffee purchase. Marqeta issued her Coinbase card. When she tapped to pay, Coinbase instantly converted her crypto to dollars and authorized the transaction. Visa's network carried the payment to Stripe, which processed it for the coffee shop. Seconds later, the merchant was paid. This entire chain handled conversion rates, compliance checks, and regulatory requirements automatically, making the complexity invisible and the experience effortless. The economics are compelling. Card processing fees typically range from 1.5% to 3.5% of the purchase price. On Sarah's coffee ($5), that's roughly $0.07–$0.17 split among the players, small numbers at the transaction level, but massive at scale. Multiply by millions of daily transactions, and the incentives for controlling these rails become obvious. From Tap to Settlement: The Invisible Ballet Behind Every Crypto Payment McKinsey projects global fintech revenues will surge past $400 billion by 2028, growing 15% annually versus just 6% for traditional banking. The fastest-growing slice is the infrastructure layer: payment rails, custody platforms, and compliance systems. $150 billion to $205 billion in banking revenue has already shifted to these infrastructure providers. It's a land grab for digital finance's foundations. Infrastructure players are locking down the pipes that move the money, competing to control the world's payment flows while the market is still taking shape. Three Forces Driving The Infrastructure Gold Rush Embedded Finance: Money Is Vanishing Into The Platforms Loans from Shopify, insurance from Tesla, and payments through Uber. Financial services are no longer destinations; they're features hidden inside the apps and platforms we use every day. The scale is staggering. Embedded finance is projected to handle $7.2 trillion in transaction volumes by 2030, larger than most national economies, and increasingly dependent on payment systems that can handle both fiat and crypto with equal ease. Amazon isn't just a retailer; it's a bank, lender, and insurer. Uber makes as much from payments as it does from rides. Shopify realized the real profit wasn't building websites, but processing the billions flowing through them. All of this drives demand for financial infrastructure. Every app offering "buy now, pay later" or instant payouts needs card issuers like Marqeta, data connectors like Plaid, and processors like Adyen. These firms quietly capture a slice of every transaction, and the consumer never sees them. Blockchain Becoming Pervasive What began as a niche experiment is now mainstream money. With 659 million holders worldwide and 28% of U.S. adults owning digital assets, crypto has shifted from speculative bet to spendable wealth. That scale is fueling demand for infrastructure that can convert digital assets into everyday purchases seamlessly. This shift is mirrored in traditional finance, where blockchain has leapt from crypto forums to bank boardrooms: JPMorgan processes over $2 billion a day through blockchain settlement, UBS runs "Digital Cash" for instant cross-border payments, and Visa's Tokenized Asset Platform with Mastercard's Multi-Token Network signals that blockchain-based payment rails are here to stay. Fireblocks secures over $10 trillion in digital asset transactions for major banks, ConsenSys powers 100 million wallets, and Alchemy became the "AWS of blockchain" for enterprise. Infrastructure providers are becoming indispensable. AI Guards Every Transaction AI eliminates decades of financial inefficiency. Every crypto payment triggers algorithms verifying wallet history, assessing risk, and optimizing conversion rates in under 200 milliseconds. AI can flag suspicious wallets mid-transaction or approve high-value payments instantly. Juniper Research projects AI fraud detection spending will exceed $10 billion by 2027. But AI's impact extends beyond fraud: instant underwriting, real-time risk assessment and compliance automation. For infrastructure companies, AI creates competitive moats. Those with superior algorithms for crypto conversion and compliance automation will dominate as transaction volumes explode. The Race For The Financial Stack Visa, Mastercard, and Stripe already own the broad traditional finance highways, but crypto-specific middleware is what allows those highways to be used: the translation layer that connects wallets to card networks, merchant processors, and banking compliance systems. The real competition plays out in this split-second choreography: converting crypto into the language of traditional finance, moving it through currency conversion, risk checks, and regulatory reporting in milliseconds. Companies that master this choreography can capture outsized revenue at the exact moment old rails meet new money. The prize isn't replacing banks or infrastructure; it's connecting seamlessly to it. Every crypto transaction needs traditional bridges, every wallet needs compliance, and every fintech needs banking partners. These connection builders position themselves as essential plumbing for finance's evolution. Players Racing To Own The Rails That translation layer isn't theoretical—it's already a battleground. From consumer-facing crypto cards to enterprise-grade banking APIs, companies are racing to own the critical points where digital assets meet traditional finance. Some are building mass-market ecosystems, others are focusing on specialized infrastructure, but all are competing for the same prize: becoming indispensable at the moment crypto hits the legacy rails. Consumer Payments Layer Major players like and Coinbase have built large crypto card ecosystems with tiered benefits, staking incentives, and broad merchant acceptance. While these giants focused on feature-rich platforms, BFinance bet on simplicity instead: what if spending crypto could be as easy as texting a friend? Each month, it processes $20 million through virtual Visa and Mastercard cards compatible with Apple Pay, Google Pay, and Samsung Pay. Fees are simple: $10 to issue, 2 percent on top-ups, and $0.50 per transaction. Users can load major tokens and access eSIMs, crypto transfers, and bill payments, all inside Telegram. Enterprise Infrastructure Tier Firms like Fireblocks and Anchorage secure billions in digital assets for global banks, exchanges, and asset managers. Taking a different approach, OpenPayd bridge crypto and fiat with a single API offering IBANs, FX, SEPA, and Open Banking services across the UK and Europe. They provide regulatory-compliant rails without the licensing burden. Recent deals with Circle and Ripple enable real-time stablecoin ramps, FX conversion, and cross-border payments—unlocking trusted, bank-grade access to digital dollars and global liquidity. Merchant Acceptance Layer Established processors like BitPay and CoinPayments handle millions in monthly crypto transactions with multi-currency support and merchant integrations. By contrast, leaner platforms are winning adoption by streamlining features and simplifying merchant onboarding. CryptoProcessing by CoinsPaid, for example, powers hundreds of merchants globally and handles tens of millions in monthly volume. The platform supports 20+ cryptocurrencies, real-time fiat settlement, sub‑1.5 percent fees, automatic volatility protection, and no chargebacks. With a single API, fast onboarding, and built-in compliance, it removes friction for merchants integrating crypto-to-fiat payments. Jason Gardner, founder of Marqeta, explains the infrastructure advantage: "I don't want to go compete with a Stripe or an Adyen... There are 3,000 competitors in that [acquiring] space, versus 200 to 300 in issuing and processing. The odds are in our favor." Ultimately, they all rely on the same traditional card networks: Visa and Mastercard. The pattern is unmistakable: the companies controlling how digital value moves at the protocol layer, in the middleware, and at the edge of commerce are the ones shaping the financial stack of the future. Regulations Create Winners And Losers Compliance costs are soaring, with top-tier anti-money laundering systems running up to $50 million annually, effectively locking out smaller competitors and creating regulatory moats for established players. MiCA implementation began on December 30, 2024, requiring full banking licenses for stablecoin issuers by July 2026. In the U.S., the GENIUS Act established a federal stablecoin framework, while Circle became America's first publicly traded stablecoin issuer with a $6.9 billion valuation. Companies like Coinbase and Circle aren't just surviving new rules; they're helping write them, embedding themselves into the financial architecture. For leaders like Marqeta, Coinbase, and Circle, regulatory navigation isn't about avoiding risk; it's about shaping standards that could secure dominance for years. That's why well-capitalized incumbents with compliance teams and political influence are better positioned to turn regulation into a competitive edge. What This Means For The Future This infrastructure gold rush will reshape how money moves globally. Within five years, the distinction between crypto and traditional payments will blur completely. The companies building these rails today are positioning themselves to collect fees on trillions in future transaction volume. For investors, the lesson is clear: while crypto prices grab headlines, the real value lies in the infrastructure enabling its use. For businesses, early adoption of these payment rails could provide competitive advantages. For consumers, this means financial services will become faster, more convenient, and more seamlessly integrated into daily life. Most importantly, they'll finally be able to spend their crypto holdings as easily as swiping a debit card. In fintech's gold rush, the prize isn't the next winning coin; it's controlling the milliseconds between tap and settlement. In finance's new operating system, the infrastructure isn't just king, it's the kingdom. The biggest fortunes will go to those quietly building the invisible highways the rest of us use without ever seeing.
Yahoo
6 hours ago
- Yahoo
The US could have $780 billion in forgotten paper stock certificates laying around — how to cash in if you inherit one
In today's digital trading world, paper stocks are relics of a bygone era. But according to an op-ed penned by Michael Bodsen, President and CEO of the Depository Trust & Clearing Corporation, as of 2021, $780 billion worth of physical stock certificates remain. This means treasure troves of shares on actual paper may be floating around the country forgotten in safety deposit boxes, old safes or antique desk drawers. So, what happens if you inherit some? Don't miss Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's how I'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 6 of the easiest ways you can catch up (and fast) Robert Kiyosaki warns of a 'Greater Depression' coming to the US — with millions of Americans going poor. But he says these 2 'easy-money' assets will bring in 'great wealth'. How to get in now Let's say you've recently lost a loved one, and while sifting through an old filing cabinet you stumble across a bundle of stock certificates tucked into a folder. Maybe they're for a household name like Walmart or IBM, dated sometime in the early '90s. You have no idea if they're still valid, what they're worth, or what to do next. What exactly did you find, and how do you cash it in? Here's what you need to know to assess the value, understand the process and avoid leaving money on the table. How to find out what your paper stock is worth To figure out whether your certificate still holds value, start by examining the company name, the number of shares and the date. If the business still exists, you'll want to look up its investor relations department or check a reputable financial site to confirm it's publicly traded. But if the company has changed names, merged or been acquired, things can get trickier. Your stock may have morphed into shares of another firm, or if the company went out of business the shares may be worthless. Take note of the registered owner's name and the CUSIP number, which is crucial for tracking a stock's history. At this point, you'll want to contact the present-day company's transfer agent. These firms handle stock ownership records and can confirm whether the certificate is valid, whether the shares have split and what they're worth today. An agent will likely ask for the information above and may help you trace any corporate actions that have affected its value over time. If you inherited these stocks, they may assist with transferring ownership, as long as you have supporting documentation, such as a will or death certificate. Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. To calculate total value, once you've verified the stock is still active, multiply the number of shares it now represents by the current trading price. For example, if those Walmart certificates equate to 150 shares and the stock is trading at $100, you're looking at $15,000. Selling the shares and cashing out Once you've established that your paper shares are valid and of value, you have a few ways to turn them into spendable assets. The transfer agent should be able to assist you. A common route is to deposit them into a brokerage account. This can involve signing over the stock on the back of the certificate in the presence of a notary public, along with further paperwork confirming ownership. Alternatively, transfer agents may offer direct sale services, allowing you to sell the shares through them without involving a brokerage. Be aware of any fees charged. What to read next Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan 'works every single time' to kill debt, get rich in America — and that 'anyone' can do it Here are 5 simple ways to grow rich with real estate if you don't want to play landlord. And you can even start with as little as $10 Rich, young Americans are ditching the stormy stock market — here are the alternative assets they're banking on instead Here are 5 'must have' items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you? This article provides information only and should not be construed as advice. It is provided without warranty of any kind.