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According to Caixin, a series of articles about U Card traffic are currently popular on Xiaohongshu, such as users being able to use bank cards with Visa logos for payments like ChatGPT Plus subscription charges, with the charges paid through USDT in cryptocurrency wallets. These overseas bank cards, commonly known as "U Cards," are a type of overseas bank card that makes payments based on USD stablecoins. The Caixin article also points out that issuing and using U Cards domestically involves an additional layer of legal risks. Whether this is a fleeting transitional product or a code hidden in the future payment landscape remains unknown.