--- 格式版本: 2 标题: "How Visa & HY10 Reshape High Net Worth Banking Services | FinTech Magazine" 原文链接: "https://fintechmagazine.com/news/how-visa-hy10-reshape-high-net-worth-banking-services" 发布日期: "2026-07-16" 发布时间校准状态: "found" 发布时间来源: "llm:strict_local_body" 发布时间证据: "July 16, 2026" 发布时间校准原因: "日期位于标题下方，符合文章发布时间特征，且非会议、活动或事件日期。" 发布时间校准置信度: "100" 发布时间候选数量: 4 发布时间严格候选数量: 1 发布时间原页读取状态: "原页面来自已抓取 HTML" 发布时间未找到原因: "候选日期无效或 LLM 未确认" 发布时间校准时间: "2026-07-20T03:46:54+08:00" 发现时间: "2026-07-19T17:46:27+08:00" 入库时间: "2026-07-19T19:52:50.697Z" 来源平台: "Tavily（AgentKey）" 搜索渠道: "tavily_web" 搜索词: "Wiwyin" 匹配关键词: [] 相关厂家: - "Wiwyin" 相关专家: [] 内容类型: "网页" 抓取工具: "AgentKey Scrape" 清洗工具: "AgentKey Markdown + LLM 正文裁剪" 原始附件: [] AI优质: "否" AI打分: 12 AI分档: "非优质" AI质检状态: "不通过" AI打分理由: "文章主题为Visa与HY10在高端银行服务领域的合作，与超节点/AI Rack/机柜级AI基础设施完全无关。虽来源为金融科技媒体，但内容无任何AI硬件、架构、互连、供电、散热或部署信息，属明显无关资料。" AI质检模型: "qwen3.6-plus" AI质检时间: "2026-07-20T03:52:50+08:00" AI主题相关性: 0 AI来源权威性: 5 AI新颖性: 5 AI技术细节: 0 AI商业部署信号: 2 AI完整性: 0 图片摘要: - "✓ ./assets/img-d94ffd33.webp | photo | HY10联合创始人Erekle Tokhosashvili肖像，文章介绍其与Visa Infinite Private项目合作重塑高净值服务。" - "✗ ./assets/img-1bb92c73.jpg | infographic | HY10品牌Logo，无实质业务数据或架构信息，属品牌宣传/装饰性配图。" - "✗ ./assets/img-dc143ef9.png | infographic | Visa品牌Logo，无实质业务数据或架构信息，属品牌宣传/装饰性配图。" - "✓ ./assets/img-ac7c3b2b.jpg | photo | HY10联合创始人Erekle Tokhosashvili的高清肖像，展示公司核心管理层形象。" - "✓ ./assets/img-6b567c8a.jpg | photo | HY10联合创始人Otar Ramishvili肖像，补充介绍公司创始团队背景。" - "✗ ./assets/img-f3997db3.webp | photo | FinTech杂志封面（Revolut专题），与正文Visa/HY10合作主题无关，属杂志其他内容推广。" - "✗ ./assets/img-77e96a9b.webp | photo | FinTech杂志封面（Visa AI专题），虽涉及Visa但为其他文章推广，与正文HY10合作无关。" - "✗ ./assets/img-1b4d53ac.webp | infographic | FinTech杂志Top 100榜单封面，属杂志推广，与正文具体新闻无关。" 采集批次: "2026年7月19日17点45分46秒" 采集批次ID: "20260719-174546-694" 去重键: "https://fintechmagazine.com/news/how-visa-hy10-reshape-high-net-worth-banking-services" --- Erekle Tokhosashvili, Co-Founder of HY10 The traditional private banking model is undergoing a digital reset. HY10, a financial and lifestyle platform tailored to ultra-high-net-worth and high-net-worth individuals, has been named among the first participants in Visa’s newly launched Infinite Private programme. Revealed at the [Visa Payments Forum in Paris](https://fintechmagazine.com/news/visa-payments-forum-in-paris-agentic-commerce-is-coming), the initiative unifies unlimited-spend payment cards, concierge offerings and lifestyle management within a single, integrated ecosystem. Supported by [Visa’s global payments network](https://financechief.com/news/hsbc-uk-and-visa-pilot-ai-powered-agentic-shopping), the collaboration signals a meaningful evolution in how financial institutions cater to the world’s most affluent and globally mobile clients. The announcement was made before an audience of more than 2,000 executives from banks, fintechs and payment providers at the forum. HY10’s early inclusion underscores its intent to challenge incumbent private banks, many of which have been slow to modernise and digitise their services. Visa Infinite card with HY10. Credit: HY10 ## Simplifying wealth management For years, wealth management has remained fragmented. High-net-worth individuals often depend on multiple providers to manage private banking, international payments, travel arrangements and lifestyle services. HY10 is working to bring these elements together through a unified digital platform. By pairing unlimited-spend cards with financial tools and a dedicated lifestyle manager, [the fintech is positioning itself](https://financechief.com/news/how-visa-threat-platform-will-combat-payment-fraud) as a single point of contact for globally active entrepreneurs and investors. "Private banking hasn't fundamentally evolved for decades,” says Erekle Tokhosashvili, Co-Founder of HY10. “The world's wealthiest individuals are still forced to piece together multiple providers for banking, payments, travel, concierge and lifestyle management. “We built HY10 to replace that complexity with a single platform designed around how modern global wealth actually lives.” HY10 showcasing at the Visa Payments Forum in Paris. ## A modern approach to private banking Through its partnership with Visa, HY10 is able to scale quickly while leveraging the security and trust of a global payments infrastructure. Rather than competing on conventional banking products alone, the company is targeting the convergence of high-net-worth lifestyle services and everyday financial functionality. Members gain access to more than 2,000 curated services spanning travel, hospitality and luxury, delivered via Visa’s Infinite Private programme. Otar Ramishvili, Co-Founder of HY10, adds: “We're proud of the work we've done alongside Visa. Otar Ramishvili, Co-Founder of HY10 “Together, we're building far more than a premium card. We're creating a financial and lifestyle platform that brings together wealth, access and extraordinary experiences in one seamless membership.” As digitally native wealth creators – including tech founders and cross-border investors – reshape the high-net-worth landscape, demand for integrated, digital-first platforms continues to rise. These clients increasingly expect private banking to mirror the seamless experience of consumer fintech apps, while still offering the high spending capacity and personalised service of traditional institutions. HY10 is currently scaling across Europe, the Middle East and Asia. Headquartered in London, the firm serves an expanding base of international entrepreneurs, investors and families seeking borderless financial solutions. Company Portals Related Content - [ Will AI Agents from HSBC and Visa Change how we Shop? Tech & AI ](https://fintechmagazine.com/news/will-hsbc-visa-ai-agents-change-how-we-shop) - [ Visa Targets Upstream Cyber Threats to Curb Fraud Risk Fraud & ID Verification ](https://fintechmagazine.com/news/visa-targets-upstream-cyber-threats-to-curb-fraud-risk) - [ Visa: Anchoring Trust in Next-Generation Enterprise Payments Digital Payments ](https://fintechmagazine.com/news/visa-anchoring-trust-in-next-generation-enterprise-payments) - [ Visa and Equals Research Shows Embedded Finance Service Gaps Financial Services (FinServ) ](https://fintechmagazine.com/news/visa-and-equals-research-shows-embedded-finance-service-gaps) ![图片](./assets/img-d94ffd33.webp)