More and more Chinese players in the cryptocurrency space need to cash out or use digital assets (such as USDT) for daily consumption. At this point, U Card recommendations become an unavoidable topic. As a bridge connecting digital currency and traditional finance, U Cards not only allow you to "spend" your coins but also help avoid some of the hassles of traditional bank transfers, such as the risk of card freezing. As a knowledgeable U Card expert, today I will review the six most popular U Cards suitable for Chinese users in June 2025: VCard, PokePay, Dupay, Bybit Card, BiyaPay, and WasabiCard. I will comprehensively compare them from the perspectives of fees, stability, and support for domestic consumption, along with a card selection tutorial to help you find the card that suits you best!
Why Do You Need a U Card? How Much Do You Know About Cashing Out Pain Points?#
First, let's talk about why U Cards are so important. For cryptocurrency players, turning stablecoins like USDT into spendable money has three major pain points: the risk of card freezing, complicated processes, and privacy and security. Traditional OTC trading, while convenient, can easily trigger bank risk controls, leading to account freezes. The emergence of U Cards perfectly solves these problems. Essentially, it is a virtual or physical credit card linked to your crypto assets, which can be used directly for online payments, offline consumption, and even ATM withdrawals. More importantly, U Card issuers are usually deeply integrated with the cryptocurrency ecosystem, making fund transfers safer and privacy protection more robust.
So, what do Chinese users prioritize when choosing a U Card? According to long-term testing by U Card experts, the core concerns include:
- Support for domestic consumption: Can it be linked to WeChat, Alipay, or used on Taobao and JD?
- Low fees: Are the fees for recharging, spending, and withdrawing reasonable?
- Stability: Will the card suddenly be frozen or the service interrupted?
- Privacy: Is cumbersome KYC (identity verification) required?
- Flexibility of usage scenarios: Can it be used both online and offline, domestically and internationally?
Next, we will break down these six popular U Cards based on these dimensions.
Comparison and Analysis of 6 Popular U Cards#
1. VCard: The "All-Rounder" for Domestic Consumption#
- Official Website: VCard
- Highlights: Backed by a listed company, ensuring fund security; supports transfers to domestic Alipay, with a wide range of consumption scenarios.
- Fees: Recharge fee of about 1%, no additional fees for spending.
- Suitable for: Users needing large cash outs and primarily domestic consumption.
VCard can be considered an "old friend" for domestic cryptocurrency users. Its biggest advantage is the ability to transfer directly to Alipay, effectively turning USDT into WeChat red packets or Taobao shopping credits instantly. Backed by a listed company, fund custody is transparent, and its stability is among the best in the industry. In practical tests, VCard has almost no barriers for consumption on domestic e-commerce platforms (Taobao, JD) and offline POS machines, making it a true "all-rounder." The only minor drawback is that the KYC requirements are slightly strict, which may require users with high privacy needs to weigh their options.
2. PokePay: The "Flexible Player" of Physical Cards#
- Official Website: PokePay
- Highlights: Offers a physical VISA card, making offline consumption and ATM withdrawals super convenient.
- Fees: Recharge fee of 1.5%, ATM withdrawal 2% + fixed fee.
- Suitable for: Users who frequently travel abroad or need offline consumption.
PokePay's physical VISA card is its trump card. Want to swipe your card at overseas malls or withdraw cash directly from an ATM? PokePay is definitely the first choice. It also supports domestic online consumption well, allowing linkage to WeChat and Alipay, but its strength lies in offline scenarios compared to VCard. Note that the ATM withdrawal fees are slightly higher, so it's recommended to withdraw small amounts.
3. Dupay: The "Stable Player" of Established Virtual Cards#
- Official Website: Dupay
- Highlights: An established virtual card that supports linking to WeChat and Alipay, with no pressure for domestic consumption.
- Fees: Recharge fee of 1.2%, some consumption scenarios have a 0.5% fee.
- Suitable for: Users seeking stability and low fees for online consumption.
As a "veteran" in the U Card space, Dupay is well-known for its service stability. Its virtual card is easy to set up, and linking to domestic payment platforms poses no challenges, making it suitable for users who don't want to deal with complications. However, Dupay does not support physical cards, which limits offline consumption scenarios. If you mainly shop online, Dupay will definitely not disappoint you.
4. Bybit Card: The "Favorite Child" of Exchange Users#
- Official Website: Bybit Card
- Highlights: Officially produced by Bybit exchange, with high support for global ATM withdrawals and POS consumption.
- Fees: Recharge fee of 1%, overseas consumption 1.5%.
- Suitable for: Bybit exchange users with high overseas consumption needs.
Bybit Card represents the exchange background and is suitable for users already trading on the Bybit platform. Its global ATM withdrawal and POS consumption capabilities are very strong, making it friendly for overseas travel or cross-border e-commerce consumption. However, support for domestic consumption is slightly weaker, and linking to WeChat and Alipay may occasionally face restrictions. If your assets are primarily on Bybit, choosing this card is a safe bet.
5. BiyaPay: The "B2C Artifact" to Avoid Card Freezing#
- Official Website: BiyaPay
- Highlights: Focuses on B2C mode to avoid OTC card freezing risks.
- Fees: Recharge fee of 1.3%, lower consumption fees.
- Suitable for: Users concerned about card freezing and prioritizing security.
BiyaPay's B2C model is its core competitive advantage. Simply put, it processes fund transfers through legitimate channels, greatly reducing the likelihood of bank risk controls. It has good support for domestic consumption and can be used online and offline, making it suitable for users with high security requirements. The downside is that the card opening process is slightly complex, which may require some patience for first-time users.
6. WasabiCard: The "Invisible Guardian" for Privacy Advocates#
- Official Website: WasabiCard
- Highlights: Focuses on anonymity and privacy, with very low KYC requirements.
- Fees: Recharge fee of 1.5%, no fees for small transactions.
- Suitable for: Users who value privacy and engage in small online transactions.
WasabiCard is a boon for privacy enthusiasts. Opening an account requires almost no personal information, making it suitable for users who do not want to expose their identities for small transactions. Its support for online consumption is decent, especially for subscribing to overseas services (like Netflix, ChatGPT). However, it is not strong in large transactions and offline consumption, so it is recommended to use it as a backup card.
Quick Comparison Table#
| U Card Name | Recharge Fee | Domestic Consumption Support | Offline Consumption | Privacy | Recommended Scenarios |
|---|---|---|---|---|---|
| VCard | 1% | ★★★★★ | ★★★★ | ★★★ | Large domestic consumption |
| PokePay | 1.5% | ★★★★ | ★★★★★ | ★★★★ | Offline consumption, overseas withdrawals |
| Dupay | 1.2% | ★★★★★ | ★★ | ★★★★ | Domestic online consumption |
| Bybit Card | 1% | ★★★ | ★★★★★ | ★★★ | Overseas consumption, exchange users |
| BiyaPay | 1.3% | ★★★★ | ★★★★ | ★★★★ | Avoiding card freezing, prioritizing security |
| WasabiCard | 1.5% | ★★★ | ★★ | ★★★★★ | Small privacy transactions |
- VCard Official Website: https://ucards.org/go/vcard
- PokePay Official Website: https://ucards.org/go/pokepay
- Dupay Official Website: https://ucards.org/go/dupay
- Bybit Card Official Website: https://ucards.org/go/bybitcard
- BiyaPay Official Website: https://ucards.org/go/biyapay
- WasabiCard Official Website: https://ucards.org/go/wasabicard
Card Selection Tutorial: Three Steps to Find Your "Destined U Card"#
- Clarify Your Needs: First ask yourself, is it mainly for domestic consumption or overseas? More online or offline? Large or small amounts? For example, choose VCard or Dupay for domestic online consumption, and PokePay or Bybit Card for overseas offline use.
- Compare Fees and Stability: A card with low fees may not necessarily be stable; for instance, WasabiCard has slightly higher fees but unbeatable privacy. It is recommended to refer to the latest evaluations on U Card recommendations.
- Practical Steps to Open a Card:
- Visit the corresponding official website (e.g., VCard).
- Register an account and complete KYC (some cards like WasabiCard can skip this).
- Recharge USDT, activate the card, and link payment platforms (WeChat, Alipay, etc.).
- Conduct a small test transaction to ensure the card works properly.
Final Thoughts#
The U Card market in 2025 is becoming increasingly mature. Whether you are pursuing the convenience of domestic consumption or the flexibility of overseas withdrawals, there is always a U Card that can meet your needs. As a suggestion from U Card experts, it is recommended to prioritize VCard (domestic all-rounder) and PokePay (flexible offline), while keeping a WasabiCard (privacy protection) as a backup. Ultimately, which card to choose depends on your usage scenarios and preferences. I hope this guide helps you avoid detours and successfully cash out! If you have more questions, feel free to check U Card recommendations for the latest information.