比較10張加密貨幣支付卡：找到適合您需求的合適

隨著全球加密貨幣基礎架構的成熟，用戶對鏈資產的“實際可用性”的需求正在增長。但是，如何在

Author: jk, Odaily Planet Daily

作者：JK，每天的Odaily Planet

As the global cryptocurrency infrastructure matures, users’ demand for the “real usability” of on-chain assets is growing. However, how to truly use on-chain assets in real life has always been a concern for crypto users.

隨著全球加密貨幣基礎架構的成熟，用戶對鏈資產的“實際可用性”的需求正在增長。但是，如何在現實生活中真正使用鏈上的資產一直是加密用戶的關注點。

Crypto payment cards (also known as "U cards") have quietly emerged in this context. They not only open up the "last mile" of asset use, but also quietly reshape people's understanding of wallets, PayFi and payment networks.

在這種情況下，加密支付卡（也稱為“ U卡”）已悄悄出現。他們不僅打開了資產使用的“最後一英里”，而且還悄悄地重塑了人們對錢包，薪資和支付網絡的理解。

Whether it is directly binding to mobile payment software for consumption, or flexibly responding to market conditions by lending stablecoins by pledging Bitcoin, the ways to play with crypto payment cards are becoming more and more diverse. Among them, some are based on exchanges, focusing on stability and cashback rewards, and some are based on wallets or protocols, emphasizing on-chain native assets and composability. Today's crypto payment cards have become a practical and increasingly mature crypto financial entrance.

無論是直接與移動支付軟件的消費結合，還是通過保證比特幣通過借用穩定幣來靈活地響應市場條件，使用加密貨幣支付卡的遊戲方式越來越多樣化。其中，有些是基於交流，專注於穩定和現金返還獎勵，有些是基於錢包或協議，強調鏈上的本地資產和合成性。當今的加密支付卡已成為一種實用且越來越成熟的加密財務入口。

In order to clarify the real usage experience and differences of such products, Odaily Planet Daily has deeply disassembled the top ten most representative encrypted payment cards in the current market based on a large amount of information collection and user feedback from social platforms, including Bybit, Bitget, SafePal, Morph, Infini, Coinbase, Nexo, MetaMask, 1inch and RedotPay, and combined their application thresholds, supported assets, rate structures, cashback mechanisms and on-chain interaction capabilities, to conduct systematic sorting and horizontal comparison, hoping to help readers in this rapidly evolving field. Find the "pass" that suits you best.

In order to clarify the real usage experience and differences of such products, Odaily Planet Daily has deeply disassembled the top ten most representative encrypted payment cards in the current market based on a large amount of information collection and user feedback from social platforms, including Bybit, Bitget, SafePal, Morph, Infini, Coinbase, Nexo, MetaMask, 1inch and RedotPay, and combined their application thresholds, supported assets,費率結構，現金返還機制和鏈互動能力，進行系統分類和水平比較，希望幫助這個快速發展的領域的讀者。找到最適合您的“通行證”。

Newbie U card suitable for Chinese users

新手U卡適合中國用戶

Bybit Card: The most widely used exchange U card

BYBIT卡：最廣泛使用的Exchange U卡

Bybit's recently launched virtual debit card has become very popular on social platforms due to its low annual fee and low threshold. This card supports mainland China KYC certification and the application process is free.

拜比特（Bybit）最近推出的虛擬借記卡由於其年費低和較低的門檻，因此在社交平台上非常受歡迎。該卡支持中國大陸KYC認證，申請過程是免費的。

The application process is quite simple: users first need to register a Bybit account. After completing the registration, they need to perform real-name authentication on the platform. It is reported that using a mainland Chinese identity can pass the KYC review. After passing the authentication, find the "Card" option on the homepage to enter the application page, and then users can choose different regions to open a card:

申請過程非常簡單：用戶首先需要註冊一個BYBIT帳戶。完成註冊後，他們需要在平台上執行真名身份驗證。據報導，使用中國大陸的身份可以通過KYC評論。通過身份驗證後，在主頁上找到“卡”選項以輸入應用程序頁面，然後用戶可以選擇不同的區域以打開卡：

In terms of usage, the card can be managed in the Bybit App, and the virtual card can be directly linked to Apple Pay, Google Pay and other consumption methods, and can be used by swiping the card at merchants around the world that support Mastercard.

在使用方面，可以在BYBIT應用程序中管理該卡，並且虛擬卡可以直接鏈接到Apple Pay，Google Pay和其他消費方法，並且可以通過在支持萬事達卡的全球商人中刷卡來使用。

According to a recent Twitter news, the Australian version of the virtual card can no longer be bound to Alipay and WeChat Pay for consumption, mainly due to the excessive use of cashback activities by the Luma Studio. However, there are also user news that Alipay's touch-and-pay can be used for transactions, which may vary depending on the risk control of each user's account. If you need to bind these payment tools, you can consider applying for the European card version. According to Twitter information, the European card version can still be linked to Alipay and other payment tools for use.

根據最近的Twitter新聞，澳大利亞版本的虛擬卡不再可以限於Alipay和微信支付消費，這主要是由於Luma Studio過多地使用了現金返還活動。但是，還有一些用戶新聞稱，支付寶的觸摸額可用於交易，這可能會根據每個用戶帳戶的風險控製而有所不同。如果您需要綁定這些付款工具，則可以考慮申請歐洲卡版本。根據Twitter信息，歐洲卡版本仍然可以鏈接到支付寶和其他付款工具。

In terms of fees, Bybit Card is quite competitive: transaction fees range from 0.9% to 3%, depending on factors such as the card opening region, transaction currency, and consumption location. Some transactions may incur additional intermediary fees (such as Alipay and other platforms). The platform is currently carrying out a new card promotion, and users can enjoy a 10% cashback discount on their consumption.

在費用方面，BYBIT卡具有競爭力：交易費用在0.9％至3％不等，具體取決於諸如開放式貨幣，交易貨幣和消費地點等因素。一些交易可能會產生額外的中介費（例如支付寶和其他平台）。該平台目前正在進行新的卡促銷，用戶可以在消費方面享受10％的現金返還折扣。

It is important to note that consumption in different regions may incur additional costs such as currency conversion fees. For example, if a user pays with a card at a merchant that uses Japanese yen, the final handling fee may include the exchange rate from USD/EUR to Japanese yen, which the user will also have to bear.

重要的是要注意，不同地區的消費可能會產生額外的費用，例如貨幣轉換費。例如，如果用戶用使用日元的商人用卡付款，則最終處理費可能包括從美元/歐元到日本日元的匯率，用戶也必須承擔。

Overall, this card has obvious advantages in terms of usage as it is linked to an exchange, and is one of the more convenient options on the current market.

總體而言，該卡在用法方面具有明顯的優勢，因為它與交易所相關，並且是當前市場上最方便的選擇之一。

Bitget Card: Exclusive payment card for VIPs

位卡：VIP的獨家支付卡

Compared with traditional bank cards, the virtual debit card launched by Bitget also uses "no annual fee" and "direct consumption of USDT" as its main selling points, attracting the attention of many crypto users. The card currently supports two card organization options: UnionPay and Mastercard, covering the actual needs of different regions and consumption scenarios.

與傳統的銀行卡相比，Bitget推出的虛擬借記卡還使用“無年費”和“直接消費USDT”作為其主要銷售點，吸引了許多加密用戶的注意。該卡目前支持兩個卡組織選項：UnionPay和MasterCard，涵蓋了不同地區和消費方案的實際需求。

The issuer of Bitget Card is DCS (DeCard), a local regulated issuing bank in Singapore. According to market news, Bitget has acquired most of its shares. Although DeCard also provides card application services for individual users, this path usually requires applicants to have local Singapore identity authentication and mobile phone numbers, which is a high threshold. Therefore, applying through the Bitget platform is a more feasible way.

Bitget卡的發行人是新加坡當地受監管的發行銀行DCS（Decard）。根據市場新聞，Bitget已獲得其大部分股份。儘管Decard還為單個用戶提供卡應用服務，但此路徑通常要求申請人擁有本地新加坡身份身份驗證和手機號碼，這是一個高閾值。因此，通過BITGET平台應用是一種更可行的方法。

It should be noted that

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