2025-08-30
In 2025, the compliance sandbox of Hong Kong HashKey Exchange will achieve real-time cross-border transfer settlement through stablecoin USDB. Users can pay a $1,000 service fee to Indonesian suppliers in just 1 second, and the handling fee will be reduced from 3% to 0.01%, with a 300-fold increase in verification efficiency. As the "trust protocol" of Web3, the Web3 payment system builds a value exchange network without intermediaries through blockchain, smart contracts, and cross-chain technology, completely subverting the time and space limitations of traditional payments.
Web3 payment system uses blockchain as the underlying infrastructure and supports multi-chain parallel operation. For example, TRON achieves thousands of cross-border transfers per second through TRC20-USDT, reducing settlement time from 3 days to 3 minutes. Ethereum Layer 2 scaling solutions such as zkSync 2.0 increase transaction throughput to 2000 transactions per second and reduce gas fees by 90% through zero-knowledge proofs (ZKP). HashKey Exchange's cross-chain gateway integrates Polygon and BNB Chain, processing cross-chain asset mapping more than 500,000 times by 2025, and improving data consistency by 99%.
Smart contracts define payment rules and execute them automatically. For example, a Supply Chain Finance platform automatically matches purchase orders and payment terms through smart contracts. When logistics data is put on the chain, the system triggers USDC payment to the supplier, shortening the fund circulation cycle from 30 days to 7 days. HashKey Exchange's DeFi aggregator integrates dynamic interest rate contracts. When users pledge assets, the system automatically adjusts the lending rate based on on-chain liquidity. By 2025, the mortgage loan will exceed 600 billion Hong Kong dollars, and the bad debt rate will decrease by 42%.
Cosmos' IBC protocol and Polkadot's XCMP protocol enable seamless cross-chain asset transfer. For example, users can cross-chain Bitcoin to the Ethereum DeFi platform through Wrapped BTC, participate in Uniswap transactions, and then transfer it back to the Tron mainnet through BenPay Bridge, completing the entire process automatically. HashKey Exchange's compliance sandbox supports cross-chain payments, processing over 100,000 cross-chain NFT transactions in 2025, increasing liquidity by 200%.
Traditional SWIFT systems take 3 days to complete cross-border settlements with fees as high as 1-3%, while Web3 payment systems achieve real-time arrival through stablecoins. For example, Hong Kong companies pay Indian suppliers through BINR stablecoins, eliminating the US dollar transit link and reducing costs by 99%. HashKey Exchange's enterprise-level payment solution integrates KUN Card, supports USDC direct recharge and global consumption, and processes cross-border data verification more than 2 million times in 2025, reducing verification time from 3 days to 10 minutes.
In the Metaverse, users create digital avatars through DID (decentralized identifier) and use ERC-1155 tokens to buy virtual clothing and land. For example, an NFT marketplace automatically distributes royalties through smart contracts, and creators can earn 70% of the revenue per transaction. HashKey Exchange's Metaverse platform supports ERC-721 asset cross-chain circulation, processing more than 500,000 virtual asset transactions in 2025, and improving circulation efficiency by 10 times.
Web3 payment system achieves data traceability through IPFS and smart contracts. For example, a certain agricultural product supply chain platform puts transportation and quality inspection data on the chain, and banks automatically release funds through on-chain verification, reducing the fund circulation cycle from 15 days to 2 days. HashKey Exchange's risk control system integrates zero-knowledge proof technology. When users prove to the bank that their "credit rating meets the standard", they do not need to disclose specific financial data, reducing the risk of data leakage by 99%.
The AEON protocol allows AI agents to independently complete payment tasks. After users "book flights" through natural language commands, AI automatically calls the AEON API to generate payment requests, dynamically selects the optimal chain route, and does not require human intervention throughout the process. HashKey Exchange's smart contract audit system introduces AI analysis of on-chain transaction models, intercepting 99.7% of suspicious transactions by 2025, and shortening the single verification time to 1.2 seconds.
Zero-Knowledge Proof (ZKP) achieves "data available but invisible". When users prove to the hotel that they are "over 18 years old", they only need to provide encrypted proof without revealing their date of birth. HashKey Exchange's DeFi aggregator integrates zkLogin technology. Users can log in with one click through their Google account, and the private key is locally generated and cannot be obtained by third parties. By 2025, the conversion rate of new users will increase by 300%.