With the booming development of the cryptocurrency market, more and more domestic users are beginning to pay attention to how to efficiently and safely convert their digital assets (such as USDT, BTC, etc.) into fiat currency for daily consumption. The cash-out U-card, as a bridge connecting cryptocurrency with the real world, is widely welcomed for its convenience and flexibility. However, faced with a dazzling array of U-card options on the market, how to choose a product that suits oneself has become a dilemma for many users. As a "U-card master" well-versed in the cash-out methods in the crypto space, I have compiled a recommended ranking of cash-out U-cards suitable for domestic users, combining the latest trends and practical usage experiences in 2025. This article will provide a detailed introduction to six U-cards: Dupay, VCard, PokePay, WasabiCard, Bybit Card, and LocalCard, covering the reasons for recommendation and usage scenarios, hoping to provide reference for your cash-out needs.
1. PokePay#
Official website: PokePay
Recommendation reason: Supports binding to Hong Kong Alipay, seamless domestic consumption, high cost-performance ratio, and comprehensive functions.
PokePay is undoubtedly one of the top choices for domestic users' cash-out in 2025, especially for crypto players who want to use USDT directly for daily consumption in China. Its biggest highlight is the support for binding to Hong Kong Alipay (AlipayHK), which means you can seamlessly connect to domestic consumption scenarios through QR code payments, such as directly using cryptocurrency assets in supermarkets, restaurants, or even online shopping. In addition, PokePay offers both virtual and physical card options, with a virtual card opening fee of only 20 USDT, while the physical card costs 99 USDT, supporting ATM withdrawals and POS transactions, covering both online and offline needs. In terms of recharge, it is compatible with various cryptocurrencies such as USDT, BTC, ETH, with a fee of only 1%, and an additional 1% conversion fee for non-HKD consumption, making the overall costs transparent and relatively low. For users pursuing convenience and high compatibility, PokePay is a trustworthy choice.
2. VCard#
Official website: VCard
Recommendation reason: Low fees, supports physical cards, backed by a US-listed company, high stability and trustworthiness.
If you are sensitive to fees and need a long-term stable cash-out U-card, then VCard is definitely worth a try. It is supported by the US-listed company WETG (WETG.US), ensuring compliance and security. VCard's recharge rate is as low as 1.35%, and USDT to USD conversion is 1:1 with no conversion loss, which is outstanding compared to other U-cards that generally have rates above 2%. More importantly, VCard has launched a Mastercard physical card that supports online consumption and can be used for cash withdrawals at ATMs or POS transactions globally, making it particularly useful for users with cross-border payment needs. Whether subscribing to ChatGPT Plus, Netflix, or binding Alipay for domestic consumption, VCard can easily handle it. Its KYC certification is optional, and the standard card has a monthly recharge limit of up to 20,000 USD, suitable for medium to high-frequency cash-out users.
3. Dupay#
Official website: Dupay
Recommendation reason: Large user base, simple application, stable and reliable as a backup card.
Dupay, as an established U-card brand, has wide recognition among crypto users. Its advantage lies in the low application threshold, with no minimum recharge amount required, and you can open a card through a simple registration process. Dupay supports USDT recharge and offers VISA and Mastercard virtual cards, suitable for payment scenarios worldwide, such as overseas shopping and subscription services. Although it once faced a trust crisis due to system maintenance issues, the latest version in 2025 has launched a Euro card, improving stability. For users already accustomed to cryptocurrency operations, Dupay is a good backup choice, especially when the main U-card is unavailable due to maintenance, as it can quickly fill the gap. However, it should be noted that its fees are slightly higher (minimum 2.2%), so it is recommended to use it immediately after recharging to avoid holding too much balance.
4. WasabiCard#
Official website: WasabiCard
Recommendation reason: No KYC required, low loss for small transactions, suitable for users with high privacy needs.
For those who value privacy and do not want to undergo cumbersome identity verification, WasabiCard is an ideal option. It is launched by licensed institutions in Canada and Hong Kong, allowing card opening without KYC, supporting USDT recharge, and offering various prepaid card options like Visa and Mastercard. WasabiCard focuses on small transaction scenarios, with an actual loss of only 2.5% when binding to WeChat or Alipay, making it very suitable for daily small payments, such as purchasing AWS servers, Cloudflare services, or TikTok advertising fees. It has been operating for over three years, and its stability has been validated by the market, with plans to launch physical cards and more features in the future. If you pursue anonymity and low-cost cash-out, this U-card is not to be missed.
5. Bybit Card#
Official website: Bybit Card
Recommendation reason: Deep integration with Bybit exchange, designed for deep players in the crypto space.
As the official U-card launched by the cryptocurrency exchange Bybit, Bybit Card is naturally suitable for users who are already trading on the Bybit platform. It supports direct recharge with various cryptocurrencies such as USDT and BTC, with the virtual card usable for online consumption, while the physical card supports offline transactions and cash withdrawals. The advantage of Bybit Card lies in its seamless connection with the exchange account, making the cash-out process simple and quick, with relatively reasonable fees (specific rates depend on trading volume). For deep players who frequently conduct large transactions or need to quickly liquidate exchange assets, this U-card can significantly enhance liquidity. However, for non-Bybit users, its appeal may be slightly less, as opening and using the card requires a certain familiarity with the platform.
6. LocalCard#
Official website: LocalCard
Recommendation reason: Strong localized service, suitable for novice users trying cash-out for the first time.
LocalCard is a relatively low-profile but practical U-card designed for localized needs. It supports USDT recharge and provides virtual card services, focusing on ease of use and compatibility with local payments. The card opening process for LocalCard is intuitive, with transparent fees, making it suitable for novice users who are not yet familiar with cash-out in the crypto space. Although it may not be as feature-rich or globally comprehensive as the previous U-cards, for users who only need basic cash-out functions and occasionally use a small amount of cryptocurrency for domestic consumption, LocalCard is a solid entry-level choice. Its customer support is also more in line with domestic user habits, capable of quickly answering common questions.
Summary and Selection Suggestions#
The above six U-cards each have their own strengths, and the specific choice should depend on your actual needs. If you are an experienced crypto user seeking convenience and comprehensive functions for domestic consumption, it is recommended to prioritize trying PokePay; if you value low fees and long-term stability, VCard is the best choice; Dupay is suitable as a backup card, while WasabiCard perfectly meets privacy needs; deep players can choose Bybit Card, while novices may start with LocalCard.
The competition in the cash-out market of the crypto space in 2025 is fierce, and various U-cards are continuously optimizing their services. It is recommended that everyone maintain the habit of "use immediately after recharging" to avoid affecting fund security due to changes in platform policies. I hope this ranking can provide clear guidance for your cash-out journey, and wish everyone a happy and secure experience in the world of digital currency!