#Crydit #Cards @CryditCard 今天 @0xinfini 不能用后,特意申请了一张 @CryditCard 的 Visa 储蓄卡,背后发卡行是 DBS(星展银行)。 VCC 的模式更像是托管支付,资金通常由支付机构集中管理,用户在使用时只是从平台的预备金账户中划出一笔,安全性和可控性其实并不强。适合小额日常,比如点个外卖、临时网购,用完就扔,不存大额资金。 但如果考虑到更长期、更高频或者涉及金额较大的消费支出,那 Crydit 的实体储蓄卡无疑更稳。一方面是它直接挂靠传统银行体系,背后有账户保障,另一方面也可以减少链上出金次数,从路径上降低合规摩擦和不必要的审核压力。 再一个值得注意的点是,这类卡的 KYC 对中国用户来说相对友好,考虑到当下出金环境的高度不确定性,能把稳定币直接打入卡中消费,本身就是一种对冲策略。 某种程度上,它更像是一种支付护城河,把链上的流动性沉淀到真实世界里,不仅降低了资产流转的链外风险,也进一步丰富了 $USDT 在支付体系中的使用维度。
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