📰 Dev.to · Alfred Zhang

Articles from Dev.to · Alfred Zhang · 18 articles · Updated every 3 hours · View all reads

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Dev.to · Alfred Zhang 1w ago

TCP/IP for Money: Why Card Networks Are the Next Telcos

Visa is AT&T in 1995. Hear me out. AT&T charged per-minute for calls. Visa charges per-tap...

Dev.to · Alfred Zhang 1w ago

Building a Custom Java Card Applet for Payment Cards

Our card runs a custom applet on a JCOP4 (Java Card Open Platform) chip. Here's what that actually...

Dev.to · Alfred Zhang 1w ago

How Any Acquirer Can Add OpenPasskey in 1 Day (No Integration Needed)

The biggest question we get: how do you get merchants to adopt a new card? The answer: we don't have...

Dev.to · Alfred Zhang 1w ago

How a New Card Network Gets Distribution Without Partnerships

The hardest part of building a payment network isn't the technology. It's distribution. Visa has...

Dev.to · Alfred Zhang 1w ago

Building a Payment Applet on Java Card: From JCOP4 to EMV Contactless

Java Card is the platform that runs inside billions of smart cards worldwide. If you've ever tapped a...

Dev.to · Alfred Zhang 1w ago

Australia's Card Surcharge Ban: What Actually Happens on October 1

On March 31, 2026, the Reserve Bank of Australia announced sweeping changes to the payment...

Dev.to · Alfred Zhang 1w ago

The IIN Is the Moat: Why Most Crypto Payment Projects Are Wrappers

Every month, a new "crypto debit card" launches. They all have one thing in common: they're Visa...

Dev.to · Alfred Zhang 1w ago

CREATE2 in Payments: Deterministic Merchant Addresses on Base L2

One of the lesser-discussed technical decisions in our payment architecture: using Ethereum's CREATE2...

Dev.to · Alfred Zhang 1w ago

Stablecoin Settlement: How We Replace 2-3 Day Card Settlement with Seconds

When you tap your Visa card at a cafe, the money doesn't arrive for 2-3 business days. On weekends...

Dev.to · Alfred Zhang 1w ago

How 3 People Built a Card Network in 10 Months with Zero Funding

In January 2025, three engineers in Sydney started building a payment network to compete with...

Dev.to · Alfred Zhang 1w ago

EMV: The Global Standard That Makes OpenPasskey Work at Any Terminal

11 billion cards. 100+ million terminals. One standard. EMV (Europay, Mastercard, Visa) is the...

Dev.to · Alfred Zhang 1w ago

RIP-7212: The Precompile That Makes Card Payments On-Chain

If you're building payment infrastructure on Ethereum L2s, RIP-7212 is the most important precompile...

Dev.to · Alfred Zhang 1w ago

P-256 vs 3DES: Why the Next Card Network Won't Use Visa's Crypto

Visa's payment cards still use 3DES (Triple Data Encryption Standard) for transaction authentication....

Dev.to · Alfred Zhang 1w ago

Where Your $5 Coffee Payment Actually Goes (And How to Fix It)

You tap your card. The barista makes your coffee. Simple transaction, right? Not quite. Here's what...

Dev.to · Alfred Zhang 1w ago

What Is an IIN? How a 3-Person Startup Got the Same Card Identifier as Visa

Most people have never heard of an IIN. But every card payment you make depends on one. ...

Dev.to · Alfred Zhang 1w ago

The Surcharge Ban Doesn't Fix Payments. Here's What Does.

Last week, Australia's Reserve Bank announced it would ban card surcharges from October 1, 2026. The...

Dev.to · Alfred Zhang 1w ago

How We Built a Card Network That Settles on Base L2 (No Banks Required)

Australia just banned card surcharges. The Reserve Bank says consumers will save $1.6 billion a...

Dev.to · Alfred Zhang 2w ago

How to Add Pay-Per-Call Crypto Payments to Any API in 5 Minutes (x402 + Base)

Your API returns 200 OK for free. What if it returned 402 Payment Required and got paid in...