Key Insights
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KB Card's patent enables stablecoin spending while preserving existing credit card functions.
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The hybrid payment model aligns with South Korea’s evolving stablecoin regulatory framework.
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KB Card strengthens its digital payment strategy through blockchain wallet integration.
KB Card has filed a patent for a system that combines stablecoin spending with existing credit card payments through a single, hybrid system. This filing outlines a practical structure that supports the use of digital assets without altering merchant acceptance processes. The move positions KB Card within South Korea’s expanding digital payment and regulatory landscape.
Hybrid Payment Model Integrates Stablecoins With Cards
KB Card has designed a hybrid payment system that directly links blockchain wallets to existing credit cards. This structure allows stablecoin balances to fund purchases, with any remaining amount then shifting to a credit line. Transactions proceed smoothly while standard card functions remain active.
The patent details a workflow that preserves traditional authorization and settlement steps, while adding a stablecoin layer that operates automatically during payment execution. Users can retain card rewards and protections while accessing digital asset liquidity.
KB Card has structured this model to function across current merchant networks without requiring technical adjustments. The system processes payments using familiar infrastructure and backend logic, thereby lowering barriers to stablecoin use in everyday commercial activity.
Patent Aligns With South Korea's Stablecoin Regulation Efforts
KB Card submitted this patent as South Korea advances its Digital Asset Basic Act framework. This legislation aims to define issuance and usage rules for stablecoins, including tokens linked to the Korean won, with policymakers expecting the framework to guide market activity throughout the year.
Regulators are continuing to evaluate whether licensed banks should issue stablecoins through shared consortia. Financial groups are monitoring these discussions as authorities define operational and compliance standards, while debates persist over competition and access within the emerging payment ecosystem.
KB Card operates within a financial group that closely tracks stablecoin policy development. Related institutions have filed trademarks connected to digital currency initiatives. Therefore, this patent reflects broader institutional preparation for regulated stablecoin adoption.
KB Card Expands Strategy for Digital Payment Infrastructure
KB Card continues to develop tools that connect blockchain functionality with established financial systems. The patent outlines a flexible settlement process designed to adapt to future regulatory requirements, strengthening the company's readiness for evolving payment rules.
The proposed system supports automatic fund selection between wallets and credit accounts, enabling real-time settlement choices without user intervention. This ensures payment flows remain efficient and predictable.
KB Card frames this patent as a long-term infrastructure step rather than a limited experiment, emphasizing practical deployment within regulated boundaries. Ultimately, the filing marks progress in South Korea’s transition toward integrated digital payment models.