Korea's KB Financial Group applies for a stablecoin hybrid payment patent, a further integration of traditional finance and crypto assets

2026-01-14 05:18:12

【Blockchain Rhythm】KB Financial Group’s subsidiary KB National Card recently applied for an innovative payment technology patent. This thing is quite interesting—users can pay directly with stablecoins through existing credit cards.

How does it work exactly? The system links your blockchain wallet with your credit card. Each time you make a purchase, it first deducts from the stablecoins in your wallet. If the wallet balance is insufficient, the remaining amount is automatically covered by the credit card. It sounds quite seamless, with the user experience essentially unchanged.

KB Financial Group’s idea is also quite clear. They want to retain the existing card payment infrastructure and user habits while lowering the barriers for digital assets to enter everyday payments. In other words, this is helping stablecoins move from niche to mainstream finance.

From a macro perspective, such explorations are becoming a new direction for more and more traditional financial institutions—how to integrate crypto assets into real-world payment scenarios, rather than forcing users to switch between two systems.

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GasWaster

· 3h ago

Oh wow, KB's move is really clever, directly using credit cards as a backup. Stablecoins are the only way to truly take off. Come earn coins, but be cautious when losing coins. This move directly gives people a fallback. Traditional finance is finally willing to lower its head and be humble. Is the future really coming? Linking your wallet to a bank card... feels like quite a risk, who will guarantee it? Now mom doesn't have to worry about me using crypto to pay anymore, haha. Honestly, this is the real path Web3 should take—stop living in denial. KB has connected the two worlds, but I still have a little concern. Stablecoins paired with credit cards—hey, this combo can really pack a punch.

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SmartContractPlumber

· 3h ago

How is the permission control for wallet and card binding? Don't tell me there's another authorization vulnerability.

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QuorumVoter

· 3h ago

Stablecoins are finally about to hit the table, and traditional finance really can't sit still this time.

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PaperHandSister

· 3h ago

Oh wow, KB's move really shows some thought. The hybrid solution of stablecoins + credit cards is impressive. This Korean team really knows how to play. They embed traditional finance into crypto, making users hardly notice the difference. That's true seamless integration. But on the other hand, can this really be implemented? Will regulators step in again... Stablecoins are still far from mainstream. They have to rely on these "sneaky" methods. Honestly, they don't want users to realize they're using crypto payments. Wait, what if the wallet gets hacked? Will the credit card still be charged? That logic is a bit scary haha. KB really wants to take advantage of the situation to guide traditional finance users onto the chain. Smart move, but it feels a bit too much.

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NFTArchaeologist

· 3h ago

Another story of traditional finance embracing stablecoins, but this time the Korean approach is quite clever. The design of automatically switching from wallet to credit card indeed lowers the psychological barrier for users, but frankly, it's still helping banks sell stablecoins. What’s really interesting is that the coins we early players hoard will eventually flow into these everyday scenarios, and that will be true mass adoption. However, I’m a bit curious—does this kind of binding pose privacy risks? KB is betting that stablecoins can become the standard layer for payments. It seems like Korean financial institutions are racing to be the first to grab this opportunity. Traditional finance is really starting to get serious. What’s being broken? Isn’t it just making Web3 look better? If this patent can actually be implemented, it means stablecoin payments are not far from everyday people.

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