🧩 Compliance is no longer optional for stablecoins.
TOPOS builds the network that connects compliant stablecoins to real-world payments—from issuers to acquirers, from regulation to application.
📖 Read more: https://t.co/4aVGm3mELG
Different models define the flow and the efficiency of payments.
Traditional card payments (e.g., Visa, Mastercard) follow a 4-party model (Customer, Issuer, Acquirer, Merchant), involving multiple intermediaries, complex routing, and higher transaction fees.
By contrast, ZKpay, built on blockchain, introduces an innovative 3-party model (Customer, Merchant, Smart Contract), integrating asset issuance, validation, and settlement directly on-chain.
👇 Here’s how the flows compare:
🔹 4-Party Payment Flow (Visa/Mastercard)
Step 1 – Customer swipes card at merchant
Steps 2 & 3 – Transaction sent to Acquirer, then routed to Card Network
Steps 4 & 5 – Card Network forwards to Issuer for approval and fund freezing
Steps 6 & 7 – Approval returned to Merchant via Card Network and Acquirer
🔹 3-Party Payment Flow (TOPOS ZKpay)
Step 0 – Customer issues Smart Money on-chain
Step 1 – Customer scans QR code / swipes card at merchant
Step 2 – Merchant verifies Smart Money through a SoftPOS terminal connected to blockchain
Step 3 – Immediate settlement upon validation
Powered by stablecoins and zero-knowledge proofs (ZKP), ZKpay enables secure, efficient, and programmable payments directly on blockchain rails.
The future of payments is programmable.
#Payments #Stablecoin #PlatON #SmartMoney #TOPOS #ZeroKnowledgeProo
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