Friends who have been through the cryptocurrency world know that cashing out is an unavoidable topic. Whether you want to convert digital assets into cash for daily consumption or need a stable tool to handle overseas payment scenarios, choosing a suitable cash-out U card is crucial. As a "U card expert" well-versed in various U card options, today I will review 6 U cards suitable for Chinese users, namely Dupay, VCard, PokePay, WasabiCard, LocalCard, and Chicha. I will analyze them from the perspectives of usage scenarios, fees, stability, and convenience to help you find the most suitable one.
1. Dupay: The First Choice for Stability and Convenience#
If you are an experienced player in the cryptocurrency world or have high requirements for cash-out stability, Dupay is definitely worth considering. The biggest highlight of this U card is its stability and global usability. Dupay supports direct USDT deposits, automatically converting to USD during consumption, with almost no cumbersome intermediary processes, making it particularly suitable for users who need to make frequent cross-border payments, such as overseas subscription services or e-commerce shopping.
In terms of fees, Dupay's consumption rate is around 1.5%-2%, which is not the lowest but is transparent with no hidden fees. The withdrawal fee is about 2.5%, and it supports binding with Apple Pay and Google Pay, making it similar to traditional credit cards. I personally like its simple app interface, which is intuitive and easy for beginners to use. If you are someone who values efficiency and dislikes complicated steps, Dupay will be a worry-free choice.
2. VCard: The Low-Key Practical Cost-Performance King#
Next is VCard, a U card that has a good reputation in the Chinese community. It is not as high-profile as some promoted by big influencers, but friends who have used it say it is "low-key and practical." The advantage of VCard lies in its relatively low fees, with consumption rates usually between 1.2%-1.8% and withdrawal rates around 2%, which can save a lot of costs for users making small cash-outs.
VCard also supports deposits in various cryptocurrencies, not limited to USDT, as BTC and ETH can also be used directly, offering great flexibility. Its downside may be that the consumption scenarios are somewhat limited, mainly focused on overseas online payments, with not many merchants supporting offline POS machines. However, if you mainly use it for overseas shopping or paying for services like Netflix or Spotify, VCard is completely sufficient and offers excellent cost-performance.
3. PokePay: A Beginner-Friendly Entry Choice#
For friends who are new to U cards, I would particularly recommend PokePay. The design concept of this card is "simple and easy to use," with a very smooth process from registration to activation to deposit. PokePay's app supports Chinese, and customer service is relatively timely, which is a plus for users who are not proficient in English.
Its fee structure is also very clear: a consumption rate of 2% and a withdrawal rate of 3%. While not the cheapest, it stands out for having no annual fee or card issuance fee, making it suitable for small-scale trial users. PokePay can also be linked with some domestic payment tools, such as Alipay HK, making it quite convenient for daily consumption. The only thing to note is that its limit is not very high, and large cash-outs may have some restrictions. If you just want to try a few hundred USDT, PokePay is a good starting point.
4. WasabiCard: A Feature-Rich High-End Choice#
Speaking of WasabiCard, it belongs to the same platform as PokePay (same official website link), but its positioning is completely different. If PokePay is an entry-level card for beginners, then WasabiCard is the "advanced version" designed for high-end players. It not only supports consumption and withdrawals but also offers some financial features, such as staking to earn returns, which is relatively rare among U cards.
WasabiCard's consumption rate is around 1.8%, and the withdrawal rate is slightly higher at 3.5%, but its global acceptance is very strong, usable almost everywhere that supports Visa or Mastercard. I have a friend who used it while traveling in Europe, and he had no trouble using it to buy coffee or pay hotel bills. If you seek diverse functionalities and don't mind slightly higher fees, WasabiCard will provide good value for your money.
5. LocalCard: A Thoughtful Choice for Localized Services#
LocalCard is a relatively niche but very suitable U card for Chinese needs. Its biggest feature is localized support, such as the ability to transfer directly to domestic WeChat or Alipay, which is not common among other U cards. For friends who need to spend domestically but want to cash out through a U card, this feature is simply a "lifesaver."
In terms of fees, LocalCard's consumption rate is between 2%-2.5%, and the transfer fee to domestic accounts is about 1%. Overall, it is not the cheapest, but it excels in convenience. Its downside is that its internationalization is somewhat weak, with its main market concentrated in Asia, and it may not work well in European and American scenarios. If your main purpose for cashing out is for daily expenses in China, LocalCard is a very down-to-earth choice.
6. Chicha: A Niche New Star with Unlimited Potential#
Finally, I want to introduce Chicha, a U card that is gradually gaining recognition in the Chinese community. Its current user base is not large, but it has attracted attention due to its low fees and flexible usage methods. Chicha's consumption rate is as low as 1.5%, and the withdrawal rate is around 2.5%, offering quite good cost-performance.
Chicha also supports multiple language interfaces and has various deposit methods; in addition to USDT, it can also use some niche cryptocurrencies, making it suitable for players who enjoy trying new things. However, as an emerging U card, its stability and long-term reliability remain to be observed. If you don't mind being an "early user" and are willing to take a little risk for lower costs, Chicha may surprise you.
How to Choose the Right U Card for You?#
After discussing so much, which U card is the most suitable for you? I think it can be considered from several dimensions:
- Budget: If you are looking for low costs, VCard and Chicha would be good choices.
- Usage Scenarios: For overseas consumption, choose Dupay or WasabiCard; for strong domestic needs, go for LocalCard.
- Experience Level: Beginners should choose PokePay, while experienced users can try the more feature-rich WasabiCard.
Overall, these 6 U cards each have their strengths. Dupay is suitable for users seeking stability, VCard focuses on cost-performance, PokePay and WasabiCard cater to beginners and high-end players respectively, LocalCard meets localized needs, while Chicha is a potential stock. Whether you are a newcomer or a seasoned player in the cryptocurrency world, there is always a card that can meet your cash-out needs. Go ahead and try to find your own "cash-out artifact"!