XPayIndustry WIKIBack to home
XPAY KNOWLEDGE

Industry WIKI

Digital assets and currencies

Understand assets, networks and trading mechanics with sources you can check.

Trading basics

24 Hour Fitness

24 Hour Fitness is a privately held and operated fitness center chain headquartered in Carlsbad, California. It is the second largest fitness chain in the United States based on revenue after LA Fitness, and the fourth in number of clubs (behind LA Fitness, Anytime Fitness, and Gold's Gym), operating 244 clubs across nine U.S. states. The company was originally founded by Mark S. Mastrov

Trading basics

Automated fare collection

An automated fare collection (AFC) system is the collection of components that automate the ticketing system of a public transportation network – an automated version of manual fare collection. An AFC system is usually the basis for integrated ticketing.

Trading basics

Breeze Card

The Breeze Card is a contactless smart card used on bus and rapid transit routes in Metro Atlanta. It is part of an automated fare collection system which Metropolitan Atlanta Rapid Transit Authority (MARTA) introduced to the general public in early October 2006. The card can also be used on CobbLinc, Ride Gwinnett, Connect Douglas, and Xpress buses.

Trading basics

CharlieCard

The CharlieCard is a contactless smart card used for fare payment for transportation in the Boston area. It is the primary payment method for the Massachusetts Bay Transportation Authority (MBTA) and several regional public transport systems in the U.S. state of Massachusetts. It is used on the MBTA's subway and bus services, but is not currently accepted on the MBTA Commuter Rail and MB

Trading basics

Chicago Card

The Chicago Card and the Chicago Card Plus were contactless smart cards used by riders of the Chicago Transit Authority (CTA) and Pace to electronically pay for bus and train fares in the city of Chicago, Illinois, US, and the surrounding suburbs. On June 1, 2014, CTA and Pace stopped accepting these cards as part of a transition to Ventra.

Trading basics

Clipper card

The Clipper card is a reloadable contactless smart card used for automated fare collection in the San Francisco Bay Area. First introduced as TransLink in 2002 by the Metropolitan Transportation Commission (MTC) as a pilot program, it was rebranded in its current form on June 16, 2010. Like other transit smart cards such as the Oyster card, the Clipper card is a credit card-sized stored-

Banking

Contactless smart card

A contactless smart card is a contactless credential whose dimensions are credit card size. Its embedded integrated circuits can store (and sometimes process) data and communicate with a terminal via NFC. Commonplace uses include transit tickets, bank cards and passports.

Trading basics

Copper Card

The Copper Card is a contactless smartcard fare collection system used by Valley Metro in Metro Phoenix, Arizona. The Copper Card and the Valley Metro mobile app are accepted on Valley Metro Rail & Streetcar and Valley Metro Bus services.

Trading basics

Cubic Corporation

Cubic Corporation is an American multinational defense and public transportation equipment manufacturer. The company was founded by Walter J. Zable in 1949 and was a publicly traded company from 1951 to 2021. It operates two business segments: Cubic Transportation Systems (CTS) and Cubic Mission and Performance Solutions (CMPS).

Trading basics

Easy Card

The Easy Card (stylized as EASY Card) is a contactless smart card system for public transit fares in the Miami metropolitan area. The Easy Card is valid on Metrobus and Metrorail services in Miami-Dade County, and on Tri-Rail services throughout the region. Easy Card payments were introduced in 2009 on Miami-Dade Transit services, and expanded to Tri-Rail in 2011. The card functions as a

Trading basics

Fare capping

Fare capping is a feature of public transport fare collection systems, which allows passengers to earn an unlimited-ride pass by paying single-ride fares. Typically, passengers pay a single-ride fare each time they use public transport, using a smart card or, in some cases, their own credit or debit card. An automated fare collection system tracks the payments, and awards the passenger a

Trading basics

Farepay

Farepay, stylized in all caps as FAREPAY, is a contactless smart card used for automated fare collection on public transit services operated by the Utah Transit Authority in the Salt Lake City metropolitan area, including buses, light rail, and commuter rail. The card is available at UTA Customer Service centers and participating retailers, as well as online. The card is available for pu

Trading basics

Freedom Card

The Freedom Card, stylized as FREEDOM Card, is a contactless smartcard fare collection system used by the PATCO Speedline in New Jersey and Philadelphia.

Trading basics

Go-To card

The Go-To card is a contactless smart card used to pay fares for bus, light rail, and commuter rail lines operated by Metro Transit and other transit agencies in the Twin Cities area of Minnesota. The system has significantly sped up boardings on area buses while alleviating wear and tear on existing ticket machines and fare boxes. The old magnetic strip reading machines were weather sen

Trading basics

Hop Fastpass

Hop Fastpass is a contactless smart card for public transit fare payment on most transit modes in the Portland metropolitan area including MAX Light Rail, WES commuter rail, Portland Streetcar, The Vine, and all TriMet and C-TRAN buses. An initial release to the general public began on July 5, 2017, with the official launch on July 17. The program is managed by TriMet.

Trading basics

Jon Hammes

Jon D. Hammes is the founder and managing partner of Hammes Company. He was formerly managing partner of Milwaukee's Trammel Crow real estate company.

Trading basics

MIFARE

Mifare (styled MIFARE by NXP or sometimes MiFare by other parties) is a series of integrated circuit (IC) chips used in contactless smart cards and proximity cards.

Trading basics

ORCA card

The ORCA card (standing for One Regional Card for All) is a contactless, stored-value fare and smart card system for public transit in the Puget Sound region of Washington, United States. It is valid on most transit systems in the Seattle metropolitan area, including Sound Transit, local bus agencies, Washington State Ferries, the King County Water Taxi, and Kitsap Fast Ferries. The ORCA

Trading basics

Pronto (smart card)

Pronto (stylized as PRONTO) is the contactless payment system for automated fare collection on public transit services in San Diego County, California. The system is managed by the San Diego Metropolitan Transit System (MTS) and operated by INIT.

Trading basics

RSA Security

RSA Security LLC, formerly RSA Security, Inc. and trade name RSA, is an American computer and network security company with a focus on encryption and decryption standards. RSA was named after the initials of its co-founders, Ron Rivest, Adi Shamir and Leonard Adleman, after whom the RSA public key cryptography algorithm was also named. Among its products is the SecurID authentication tok

Trading basics

SEPTA Key

The SEPTA Key card is a smart card that is used for automated fare collection on the SEPTA public transportation network in the Philadelphia metropolitan area. It can be used throughout SEPTA's transit system, including buses and SEPTA Metro, and on Regional Rail.

Trading basics

SmartLink (smart card)

SmartLink is a discontinued RFID-enabled credit card-sized smartcard that was the primary fare payment method on the PATH transit system in Newark and Hudson County in New Jersey and Manhattan in New York City. It was designed to replace PATH's paper-based farecard, QuickCard, and there were plans to expand its usage throughout most transit agencies in the tri-state area. The SmartLink c

Trading basics

SmarTrip

SmarTrip, alternatively spelled Smart Trip as part of an ongoing 2026 rebrand, is a contactless payment system for public transit in the Washington metropolitan area, managed by the Washington Metropolitan Area Transit Authority. SmarTrip is accepted on the Washington Metro, Metrobus, and local bus services in Northern Virginia.

Finance

Social earnings ratio

The social earnings ratio, sometimes abbreviated to S/E, is a single-number metric, used to measure the social impact of various organizations. The non-financial metric is similar to the price-earnings ratio, but instead focuses on valuation against social impact, rather than projected earnings.

Trading basics

TAP card

The TAP card (standing for Transit Access Pass) is a contactless smart card used for automated fare collection on most public transport agencies within Los Angeles County, California. The card is also available in electronic form, free of charge, in Apple Wallet and a standalone app on Apple and Android devices, thereby bypassing the need to purchase the plastic USD $2 card. It is admini

Trading basics

Ventra

Ventra is an electronic fare payment system for two of the three service boards of the Northern Illinois Transit Authority (NITA): the Chicago Transit Authority (CTA) and Pace. It replaced the Chicago Card and the Transit Card automated fare collection systems. Ventra (purportedly Latin for "windy," though the actual Latin word is ventosa) launched in August 2013, with a full system tran

Trading basics

Vix Technology

Vix Technology (Vix) is an Australian company that designs, supplies and operates automated fare collection (AFC) systems, intelligent transportation systems (ITS), access, payment and passenger information display systems (PIDS) for the public transit industry.

Trading basics

Western Canadian Select

Western Canadian Select (WCS) is a heavy sour blend of crude oil that is one of North America's largest heavy crude oil streams and, historically, its cheapest. It was established in December 2004 as a new heavy oil stream by EnCana (now Cenovus), Canadian Natural Resources, Petro-Canada (now Suncor) and Talisman Energy (now Repsol Oil & Gas Canada). It is composed mostly of bitumen b