2025-12-25 12:20:25

The process yesterday was a bit complicated: wanting to buy coffee, I first had to sell some coins, wait for the transaction to complete, then wait for the transfer to arrive, and finally pay the transaction fee. It was a hassle, during which assets were idle and growth was interrupted.

Now, the situation is completely different. Using a crypto payment card to pay directly, it’s done in seconds. The best part is, your assets are not idle—they are continuously earning interest in the vault behind the scenes. Cashback from spending is also automatically accumulating, and your on-chain credit score is rising.

This is not just an improvement in convenience, but a revolution in mindset:

**Assets are always working** — even when you’re swiping your card at a coffee shop, they are generating returns on the chain.

**Spending itself becomes an asset** — every payment builds credit, accumulates rewards, and even improves your on-chain score.

This is the underlying logic of the Web3 payment ecosystem: turning idle assets into value, and spending into investment.

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WhaleWatcher

· 3h ago

Selling coins to buy coffee is really amazing. Now you can swipe your card and get instant confirmation, with assets still earning interest in the background—that's the real way to play. However, I can't quite understand the on-chain rating system. How is it determined? Assets are never idle; consumption is investment. This approach is indeed powerful. Wait, what about the fees? Is the payment card also taking a cut? The impressive part is that cashback can automatically accumulate, effectively earning while spending. This logic is flawless. Why are people still flipping assets on exchanges repeatedly? I've never heard of such a thing. Once Web3 payment cards become widespread, the traditional financial system will really be outdated.

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TopBuyerForever

· 3h ago

That's right, the previous process was really long and cumbersome. Now it's much more enjoyable to just swipe the card directly.

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RetroHodler91

· 3h ago

To be honest, the previous process was really slow and inefficient. Now, with instant payment, it's much more satisfying.

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EyeOfTheTokenStorm

· 3h ago

Wait a minute, I need to analyze this logic from a quantitative perspective—assets generating interest in the background sounds good, but what is the actual APY? What about the risk exposure? Based on historical data, user retention rates for these types of payment card projects usually start to plummet after three months. Don't be fooled by the cashback numbers.

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GateUser-44a00d6c

· 3h ago

Honestly, the old process was a waste of life. Now, just swipe the card and it’s instant, with assets still earning interest—that's the real way to play.

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gas_fee_trauma

· 3h ago

To be honest, I've gone through that process before... waiting for the coins to settle and having half of the profit eaten up by fees was really frustrating. Now, directly using a card is truly a great experience, and the assets can continue to generate interest in the background. I like this logic.

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