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NPP: The First CBDC Platform Consolidating Banking, Payment, and Merchant Services

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The financial system plays a significant role in the economy. Merchants form one of the greatest clients of financial institutions, and for years, merchants have been following bank policies religiously. Furthermore, the banking sector has been dormant, with banks operating conventionally with no notable innovation. Although most of them adopted mobile transactions, they were still heavily dependent on traditional systems. Besides, the transactions still have their share of setbacks, especially on fees and unsupported international transfers, making them inefficient. 

However, financial technology gurus are waking up to the realization that the financial industry and, more so, banking systems are due for a change. Apollo Fintech, a blockchain company based in North America and Africa, seems to be the new hope for the industry. The company utilizes modern technology, blockchain to revolutionize the banking service experience, including central banks, merchants, and people. Apollo Fintech has successfully integrated banking, payment, and merchant services in a single platform, dubbed the National Payment Platform (NPP), through blockchain technology capabilities.  

NPP Banking Service

Merchants have been content with traditional banking procedures and policies as they had no decent alternatives. According to most of them, the challenges associated with traditional banking were a cost they had to pay in their business. The system was generally characterized by slow transaction processing, high cost, limited usability, and inaccessibility. Apollo Fintech is changing the game in banking services and adding some value by giving central banks the ability to introduce a new currency, a digital currency. 

Several central banks have, in the past, attempted to launch a digital currency, CBDC, although none of them has been successful. However, the National Payment Platform is providing the necessary infrastructure. The platform will allow any central bank to issue a digital currency and onboard commercial banks, agents, merchants, and the people. That way, banking services will be accessible to all populations provided they own a phone. The digital currency will be held in an online wallet, and users only need to sign up online. 

Under traditional banking, over 1.7 billion adults had no access to banking services by 2017. The situation could be blamed on banks’ conditions on opening accounts and the accessibility of commercial banks due to their characteristic of concentration in urban centers. The NPP makes all banking services available on mobile phones, including phones utilizing outdated technology. Deposits and withdrawals will be instant through the online wallets, and they can also link the wallet with bank cards as an additional option for funds top-up or withdrawal. People will have banking services with them wherever they go as long as they have their phones, and all through the day and night. Further, authorized agents will be spread across countries to make the digital currencies and banking services available for the people.

NPP Payment Service

Among the significant challenges with payment services in conventional banking include payment processing speeds, especially for payments made abroad, and transaction fees. The National Payment Platform will solve these problems with the platform’s online wallet, the platform-compatible Apollo Knox Pay, and the CBDC. Users will be able to make peer-to-peer payments using digital assets in their wallets, at reduced costs. The payments will be frictionless, and users can even make payments abroad in minutes.

The platform offers different ways of sending payments, including SMS, its app, offline codes, and QR codes. It will allow economic players to save significantly on waiting times and resources, 

NPP Merchant Services

Aside from banking services, merchants utilize other platforms to advertise their goods to catch the eye of potential customers. Some make use of free social media, while others pay for slits in advertising platforms. However, Apollo Fintech’s new payment platform is providing merchants with this functionality. 

Merchants using the platform can publish a catalog of their goods and services directly on the payment platform. Interested users can buy the goods and make payments to the merchant directly through the platform. It also features a point of sale system that will allow users to sell their products and services directly and receive payments, although locally. 

Summing Up

Apollo Fintech has been among the top companies utilizing blockchain technology to revolutionize various sectors. While this article focuses more on the integration and added capabilities and functionalities in banking, payment, and merchant services, platform users will benefit from blockchain characteristics. 

Part of the benefits they will all enjoy is the quantum-resistant data encryption mechanism on an immutable ledger. The immutable and distributed ledger ensures that no more action can be taken once a transaction is complete and recorded. It will be the ultimate platform that solves cybersecurity threats all at once.

Blockchain technology will provide unprecedented safety in the financial sector and foster privacy in an individual transaction. For now, people only have to wait for the first central bank digital currency based on Apollo Fintech’s National Payment Platform and enjoy a seamless experience.

The Bitcoin Daily is one of the most reliable and leading portal about Technology News, Latest Updates, Financial News, Business and any all subjects related to technology and blockchain.

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WadzPay Expands into Poland as a Registered Virtual Asset Service Provider (VASP), Strengthening European Blockchain Innovation 

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  • The company establishes a regulated presence in Poland, enabling institutional deployment of its blockchain-powered financial solutions

(Warsaw, Poland) WadzPay, a global blockchain-based technology company, today announced its entry into the Polish market with the establishment of a business entity and the acquisition of a regulated Virtual Asset Service Provider (VASP).  This strategic move marks a pivotal milestone in WadzPay’s international expansion, establishing Poland as a key operational hub to deploy its financial infrastructure solutions for institutions.

Advancing Blockchain Innovation with New Platform

With its VASP registration secured and a robust regulatory foundation in place, WadzPay is launching its comprehensive suite of digital asset solutions in the region, including the newly developed platform InvoiceNow.Finance.

InvoiceNow.Finance is a blockchain-powered solution designed to streamline B2B payments through intelligent invoicing and cryptocurrency settlement, helping businesses reduce costs and cross-border complexities. Using this solution the supplier can generate invoices and payers can settle them from anywhere using cryptocurrency and wallets of their choice.

WadzPay’s solutions position it as a trusted partner for enterprises and financial institutions adopting secure, scalable, and regulation-aligned digital asset infrastructure.

Comment from Leadership

Anish Jain, Founder & Group CEO of WadzPay:
“Europe is key to our mission of enabling regulated digital asset ecosystems, and Poland is our first step in this journey. With our registered VASP presence here, we can accelerate compliant blockchain solutions tailored to institutional needs.”

Preparing for MiCA Compliance

As Poland advances toward adopting the EU’s Markets in Crypto-Assets (MiCA) regulation, WadzPay will transition to a Crypto-Asset Service Provider (CASP) authorization, ensuring seamless operations across the EU.

This expansion reinforces WadzPay’s commitment to regulatory-first blockchain infrastructure, building on its momentum in Asia, Africa, and now Europe—enabling collaboration with banks, fintechs, and payment providers seeking compliant digital asset solutions.

About the Company

WPY Worldwide is a technology provider delivering innovative and regulatory compliant payment solutions. It harnesses the power of layer 1 blockchains such as W Chain Network and Algorand. Its product suite includes InvoiceNow.Finance, and under the WadzPay brand it offers MoneyToken, AssetToken and wDigiSafe. The company operates through its various subsidiaries in Singapore, Malaysia, Indonesia, India, Hong Kong, South Africa, Qatar, Bahrain. South Africa, Poland, and The Netherlands.

For more information, visit www.wadzpay.com

For Media Contact
Arijit Das
Senior Manager- Marketing and PR
arijit.das@wadzpay.com

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Bitlock Unveils Telegram-Native Multi-Chain Wallet Focused on Privacy

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With advanced built-in security features, trusted token sniping, and cross-chain interoperability, Bitlock positions itself as the ultimate high-performance wallet for traders and DeFi enthusiasts who value complete control and anonymity.

Power (Back) To The Users

Over the past decade and a half, the crypto wallet landscape has evolved dramatically. As more platforms pursue mainstream adoption, users are increasingly asked to sacrifice their privacy, accept custodial risk, or juggling multiple tools—even devices—to complete a trade.

Bitlock, a new multi-chain wallet, is flipping that script. Rather than layering on more browser extensions or KYC hoops, Bitlock strips the wallet experience down to what matters: speed, control, and anonymity.

Designed for both crypto newbies and veterans—either traders, memecoin aficionados, or DeFi users—Bitlock combines professional-grade tools, cross-chain compatibility, and a privacy-first architecture within a sleek interface. And it’s based on Telegram.

“Bitlock is your private crypto arena,” the team said in a statement. “A self-custodial command center built for speed, stealth, and serious trading—no extensions, no data trails. Just pure control in your hands.”

Users can enjoy full custody of their private keys, significantly diminishing the risks associated with centralized attacks, leaving them with greater autonomy over their assets.

Telegram-Native, But Built For Expansion

Besides X, Telegram has emerged as one of the leading hubs for crypto culture. It’s fast, permissionless, and user-oriented – exactly what wallets should be, too.

At its launch, the Bitlock wallet has integrated directly into Telegram’s vibrant ecosystem, enabling users to trade, snipe, and manage assets across multiple chains—all without ever leaving the app and with actions synced across devices.

According to the team, it’s about giving users options right where they already are and spend a lot of their time—thus eliminating the friction that typically slows down real-world crypto adoption.

But Bitlock is not confined to the messaging app. In the second phase of its rollout, scheduled for early next year, the wallet will expand further with a dedicated mobile app and browser extension, enhancing its impact across various platforms.

A Multi-Chain Universe In A Single Arena

While many platforms and wallets do offer multi-chain support, they come with varying levels of complexity. Bitlock, on the other hand, is laser-focused on seamless UX, convenience and swift execution – it handles the heavy lifting of cross-chain transactions behind the scenes, so that users can bypass third-party platforms and transact across different networks with just a few clicks.

In its launch version, Bitlock supports asset moves across popular chains like Ethereum, Base, BNB Smart Chain, Polygon, and Solana. As the wallet evolves and adds new features, it will integrate more top-tier chains, including Arbitrum and Sui.

Memecoin Sniping with a Shield

Built as a one-stop shop for community-first cryptocurrency and memecoin trading, Bitlock will soon integrate popular token-generating ecosystems, such as Pump.fun and others, directly into the wallet, allowing users to trade early-stage memecoins with unparalleled speed and convenience. Additionally, it will serve as a launchpad for promising projects and respective tokens, continually expanding the spectrum of choice for eager investors.

Thanks to token sniping, one of Bitlock’s most distinctive features, users will be able to tap into new token pools straight from their wallet at the launch moment – crucial for high-frequency traders and memecoin enthusiasts.

But there’s more to it. The wallet’s sophisticated fraud detection layer filters out risky or malicious tokens before users could even access them.

This powerful automation-security combo makes Bitlock one of the first crypto wallets to natively support real-time token sniping while protecting against scams like honeypots and rug pulls – an invaluable feature in a myriad of daily token launches across the crypto space.

Advanced Trading For Everyone

On the crypto trading front, Bitlock has set out to provide an impressive arsenal of tools for crypto traders who value accuracy and swift execution, aiming to reduce slippage and maximize profits. This includes integrated limit buy and sell orders, as well as copy trading functionality, which is planned for release in the coming months.

With a special focus on UX and adoption, Bitlock’s copy trading feature will allow users to replicate strategies from top-performing traders with just a few clicks, which will ultimately lower the entry bar for newbies and streamline portfolio-building for everyone.

Bitlock Token: Calling Early Adopters

Bitlock’s native token, planned for launch in late 2025, is designed as a both utility and governance asset to support the wallet’s functionalities while giving users the opportunity to participate in its evolution.

Token holders will enjoy incentives, such as passive income from daily wallet-generated fees, up to 50% trading fee reductions, and exclusive benefits tied to ecosystem participation.

Additionally, they will be able to vote on future product developments, integrations, and its positioning in the ecosystem.

The Bitlock team is planning a series of targeted airdrops where a substantial portion of the initial token supply will be allocated to early adopters and engaged community members. The more users engage with the wallet, test its features, and provide feedback in the vibrant community channels, the greater the rewards they could receive at token launch.

More Than A Wallet

Bitlock is built for users who move fast, think tactically, and want a platform that works the way they do. The private crypto arena is a Telegram-native, self-custodial wallet built for speed, stealth, and pro-level trading. Core features include:

  • Multi-Chain Support: Trade on Ethereum, Base, BNB Smart Chain, Solana, (soon also Arbitrum and Sui),
  • Token Sniping with Scam Protection: Snipe newly launched tokens straight from the wallet and stay safe from scammers.
  • Pro-Level Trading Tools: Trade with limit buy and sell orders, soon by copying popular traders, too.
  • Launchpad Access + Protocol Integration: Invest in promising projects and new tokens across the ecosystem without leaving the app.
  • Privacy by Default: No KYC, no browser history, no server-side tracking. Just user power over assets, safety and speed.

Create your Bitlock Wallet 

Bitlock Telegram

Bitlock X

Bitlock Website

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“No More Gatekeepers”: Lemon Bank Group and Charter One Launch the First Truly Permissionless Lending Platform on LemonChain

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In a move already being hailed as a turning point for decentralized finance, Lemon Bank Group and Charter One have joined forces to launch the world’s most advanced permissionless crypto lending protocol, powered entirely by LemonChain — a Layer 1 blockchain built for real-world utility and rapid DeFi innovation.

As of today, users can visit LEMLOANS.io to pre-register and explore the platform’s loan simulator, ahead of the full beta launch in Q3 2025.

This isn’t just another financial product. It’s a new paradigm:

“No more gatekeepers. No more delays. No more banks standing between people and their money.”

A Protocol for the People — Not Just the Privileged.

Unlike traditional lending or even centralized crypto lenders, LEMLOANS is entirely smart contract-driven and truly permissionless: no credit checks, no applications, no approvals, no middlemen.

You simply: Choose your amount — from $1,000 to $100,000 Choose your term — from 3 months to 5 years Approve the smart contract

Receive your loan instantly in LUSD

Stay in control of your collateral while enjoying financial freedom

“True decentralization doesn’t ask for permission,” said H.E. Dr. Fahed Merhebi, Founder of Lemon Bank Group. “We built this protocol to honor that principle. You own your crypto. You control your future. Nobody can say no.”

Beginning July 15, users can pre-register and lock in their spot. The beta release goes live in Q3 2025, starting with a $50 million lending pool. Backed by institutional infrastructure, the program will expand to over $50 billion in total lending capacity in the

years to come — making LemonChain one of the most powerful on-chain credit ecosystems in existence.

Built for the New FinancialEra.

Engineered on LemonChain’s secure Proof-of-Stake foundation, LEMLOANS gives holders of the LEMX token a suite of powerful benefits:

  • Stake LEMX
  • Pay for goods and services
  • Pair LEMX for liquidity
  • Borrow against your holdings
  • Spend loan proceeds instantly
  • Retain asset ownership and upside

With flexible terms and interest rates starting as low as 5% APR, users are fully in control:

“You pick the term. You pick the amount. No more loan officers, no more paperwork. You’re in full control of your financial future.”

LemPay: From Wallet to World.

LemPay, Lemon Bank Group’s flagship payment platform, is tightly integrated into the lending experience. Features include:

  • Instant LUSD loan disbursement
  • Visa-powered debit card accepted globally
  • Instant spending or fiat conversion
  • Real-time transaction and loan tracking

“LemPay is the bridge between decentralized finance and everyday life,” said Ryan Fritzsche, CEO of LemPay. “By empowering users to instantly access their loan proceeds and spend crypto anywhere Visa is accepted, we’re removing friction and making blockchain assets truly usable. This partnership transforms how people interact with their digital wealth — fast, seamless, and permissionless.”

“It’s the fastest path from blockchain to real life I’ve ever seen,” said Derrick Hope at Token2049 Dubai. “This isn’t just a DeFi tool — it’s a life tool.”

Traditional Finance, Meet Protocol Power.

Charter One, a trusted international financial institution, brings decades of banking infrastructure and operational security to the Lemon ecosystem. The firm supports:

  • Retail & commercial banking
  • Global FX & trade services
  • Crypto-to-fiat rails
  • Compliance, custody & treasury solutions

“We’re not just watching the future of finance — we’re helping build it,” said Kadiatou Toure for Charter One. “By combining modern compliance with borderless innovation, this partnership sets a new standard for the financial world.”

For the first time, decentralized lending is as fast, flexible, and functional as traditional banking — without compromise.

“Web3 gave us sovereignty,” said Dr. Merhebi. “Now it gives us credit. Permissionless lending is here — and it’s beautiful.”

About Lemon Bank Group

Lemon Bank Group is a Web3-native fintech innovator delivering decentralized tools for lending, payments, and digital asset empowerment. With products like LEMLOANS, LemPay, and LemonChain, it is redefining access to capital and financial autonomy for the new internet economy.

About LemPay

LemPay is the payments engine of the Lemon ecosystem, offering a full-featured crypto wallet, Visa debit card integration, and seamless settlement between blockchain assets and real-world merchants. Users can instantly spend, convert, or withdraw — with complete on-chain transparency.

About Charter One

Charter One is an international financial firm focused on modern banking services, liquidity, and fintech collaboration. The organization is committed to bridging legacy finance with open protocols, unlocking global access to smarter, faster money systems.

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