Korea's top financial group’s card business division recently filed an interesting patent—integrating stablecoin wallets with credit cards.

The core idea isn't complicated: build a hybrid payment system that links blockchain wallets with traditional credit cards. When making a payment, it first deducts from the stablecoin in the wallet. If the stablecoin balance isn't enough, the remaining amount is automatically covered by the credit card.

This design has several implications. First, it provides a practical everyday payment scenario for stablecoins—no longer just in the "potentially useful" stage. Second, for traditional finance, it's a soft landing approach, allowing users to experience the convenience of blockchain without completely leaving the credit card system. Lastly, it addresses a major pain point of stablecoin payments: not having to worry about transaction failures due to insufficient balance.

Although this is still just a patent application and there's a road ahead before it can be implemented, the fact that major financial groups are seriously exploring stablecoin applications indicates that market changes are underway.