PANews reported on January 14th that KB Kookmin Card, a subsidiary of KB Financial, South Korea's largest financial group, has filed a patent application for stablecoin payment technology. The patent covers a hybrid payment system that allows users to make payments using stablecoins with existing credit cards. According to the design, users can link their blockchain wallet address to their existing credit card. During payment, the stablecoin balance in the linked e-wallet will be deducted first; if the balance is insufficient, the remaining amount will be deducted from the credit card. KB stated that this design aims to lower the barrier to entry for digital asset payments while preserving existing card payment infrastructure, a familiar user experience, and related benefits (such as rewards and protections), helping stablecoins move from niche platforms to mainstream finance.