According to statistics from on-chain data tracking platforms, the global crypto payment card spending volume experienced explosive growth in the second half of last year — jumping from a few tens of millions of dollars at the beginning of the year directly to over $100 million in a single month. This is not just a numbers game; it reflects real user choices made through wallets.

Simply put, withdrawing funds now is a fierce battle. The official USD to RMB exchange rate is 7, but when you sell USDT on an exchange, the price drops to 6.87. You haven't even spent the money yet, and you're already losing 2%. On OTC platforms, accounts can be frozen unexpectedly, and you have to guess and trust the counterparties. After using this process for a while, everyone finds it annoying.

On the other hand, the path of payment cards is much smoother — bypassing middlemen, directly swiping offline, settling at the real-time exchange rate at that moment, without discounts or the fear of frozen cards, providing a straightforward consumption experience. No wonder more and more people have been turning to this method in recent years.

There are actually quite a few products like this on the market. Take Ether.fi as an example; initially, it was an Ethereum staking platform, allowing users to stake ETH, BTC, or stablecoins, and earn multiple yields through certain liquidity protocols. This year, it started shifting towards the payments sector, which actually signals a broader trend in the ecosystem: the use of stablecoins is shifting from purely investment purposes to payment functions.

By 2026, this track will definitely become more crowded, but that also means products and services will mature, offering users more choices.