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Articles 185,293Blog Posts 167,051Tech Tutorials 49,740Research Papers 36,754News 23,036
⚡ AI Lessons
Dev.to · Alfred Zhang
📣 Digital Marketing & Growth
⚡ AI Lesson
5mo 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
🔧 Backend Engineering
⚡ AI Lesson
5mo 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
📣 Digital Marketing & Growth
⚡ AI Lesson
5mo 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
📣 Digital Marketing & Growth
⚡ AI Lesson
5mo 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
🔧 Backend Engineering
⚡ AI Lesson
5mo 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
💰 FinTech & AI for Finance Professionals
5mo 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
📣 Digital Marketing & Growth
⚡ AI Lesson
5mo 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
🔐 Cybersecurity
⚡ AI Lesson
5mo 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
💰 FinTech & AI for Finance Professionals
⚡ AI Lesson
5mo 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
🚀 Entrepreneurship & Startups
⚡ AI Lesson
5mo 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
📣 Digital Marketing & Growth
⚡ AI Lesson
5mo 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
📣 Digital Marketing & Growth
⚡ AI Lesson
5mo 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
🔐 Cybersecurity
⚡ AI Lesson
5mo 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
🚀 Entrepreneurship & Startups
⚡ AI Lesson
5mo 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
💰 FinTech & AI for Finance Professionals
⚡ AI Lesson
5mo 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
💰 FinTech & AI for Finance Professionals
5mo 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
💰 FinTech & AI for Finance Professionals
⚡ AI Lesson
5mo 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
📣 Digital Marketing & Growth
⚡ AI Lesson
5mo 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...
DeepCamp AI