币界网报道：A new whitepaper titled "The Future of Payments: The Rise of Fourth-Generation Payment Networks" examines the evolution of payment systems, highlighting the emergence of decentralized, blockchain-based solutions. Authored by industry experts, the report identifies key trends driving innovation, including faster settlement times, lower costs, and enhanced security. Fourth-generation networks leverage smart contracts and digital assets to enable seamless cross-border transactions, challenging traditional financial infrastructures. The paper also discusses regulatory considerations and adoption barriers, emphasizing the need for interoperability between legacy and next-gen systems. This analysis provides insights for businesses and policymakers navigating the rapidly transforming payments landscape