TLDR

• KB Card’s new patent fuses stablecoins with credit cards for seamless payments.
• Hybrid model lets users spend stablecoins first while keeping card perks intact.
• Patent aligns with Korea’s coming stablecoin rules and financial innovation push.
• New system links blockchain wallets to cards without altering merchant setups.
• KB Card positions itself early as stablecoin payments enter regulated channels.
  

KB Card advanced its digital payment plans as it filed a patent for a hybrid system that links stablecoins with existing credit cards. The company outlined a model that uses blockchain wallets to support automatic stablecoin spending while keeping card functions intact. The step signals a broader push by KB Card to position digital assets within mainstream payment activity.

Hybrid System Seeks to Simplify Crypto Spending

KB Card introduced a payment structure that connects a blockchain wallet to a customer’s current credit card. The design activates stablecoin funds first during a purchase and then shifts any remaining balance to the credit line. Moreover, the company expects this approach to support smooth transactions without altering merchant systems.

The patent outlines a method that preserves card processes while adding a stablecoin layer for regular use. KB Card maintains that users would keep access to familiar benefits while engaging with digital assets in real time. Additionally, the model aims to cut friction and support broader payment flexibility.

The company applied as it continues testing ways to bring digital assets into established payment rails. KB Card also views the system as a tool that aligns with global demand for more adaptable settlement options. The combined workflow highlights how card networks can integrate blockchain wallets without major structural shifts.

Patent Supports Broader Stablecoin Policy in South Korea

The filing by KB Card arrives as South Korea prepares its Digital Asset Basic Act. The act will outline rules for stablecoins and reinforce a local market anchored by a won-pegged token. Policymakers plan to finalize the framework in the first quarter of the year.

Authorities have discussed whether licensed banks should lead stablecoin issuance under a shared consortium. KB Card operates under a financial group that has tracked these discussions as regulators refine technical and operational standards. However, some lawmakers argue that a narrow issuer base could limit competition across new payment products.

KB Kookmin Bank, a related entity, recently submitted stablecoin trademark applications as interest expanded across major groups. KB Card’s patent builds on that momentum as financial institutions explore emerging digital payment structures. Therefore, the proposal reflects growing alignment between private initiatives and the country’s digital asset plans.

KB Card Positions Itself for Future Digital Payments

KB Card continues to prepare for a domestic environment that supports stablecoin use across traditional payment channels. The patent offers a framework that can adapt to new rules as they progress throughout the year. The hybrid model strengthens KB Card’s ability to manage flexible settlement flows across wallets and credit accounts.

The company signals broader readiness to support market adoption as stablecoin usage expands. KB Card aims to operate within regulated boundaries while developing practical tools for real-world transactions.  The proposed system underscores the firm’s long-term strategy to integrate blockchain with established payment methods.

KB Card now sets the stage for future applications that could reshape payment habits across the country. The firm maintains a direct focus on merging card stability with digital asset utility. The patent marks a notable step in South Korea’s evolving financial technology landscape.

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