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

【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.