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CoinWorld.net January 14 News, Korea's largest financial group KB Financial's subsidiary KB Kookmin Card has filed a patent application for stablecoin payment technology. The patent covers a hybrid payment system that allows users to make payments with stablecoins via existing credit cards. According to the design, users can bind their blockchain wallet address to their existing credit card, and during payment, the system will prioritize deducting the stablecoin balance from the linked electronic wallet; if the balance is insufficient, the remaining amount will be deducted from the credit card. KB stated that this design aims to retain the existing card payment infrastructure, familiar user experience, and related benefits (such as rewards and protections), while lowering the barriers to digital asset payments, helping stablecoins move from niche platforms to mainstream finance.