With the booming development of the cryptocurrency market, more and more users in mainland China are beginning to pay attention to how to safely and efficiently convert their digital assets into usable funds for daily expenses. As a practitioner deeply involved in the cash-out field of the cryptocurrency world, I understand how important it is for users to choose a suitable U card. In April 2025, facing a dazzling array of cash-out tools, I carefully selected and recommended the following U cards based on practical usage experience, fees, stability, and friendliness to mainland Chinese users for your reference. The order of recommendations is not absolute but is based on a comprehensive consideration of different demand scenarios, hoping to provide some practical advice for your cash-out journey.
1. VCard: The First Choice for Stability and Domestic Consumption#
For users who wish to use cryptocurrencies like USDT directly for domestic consumption, VCard is undoubtedly the star choice of 2025. This card is backed by the US-listed company Yueshang Group and has a compliant financial service license, ensuring security. More importantly, VCard supports binding virtual cards to Alipay or WeChat Wallet, allowing for direct consumption of USDT domestically—this is simply a boon for cryptocurrency users.
Imagine that the USDT in your hands can not only subscribe to ChatGPT Plus but also buy things on Taobao and order takeout on Meituan; this seamless experience perfectly meets the needs of mainland Chinese users. VCard supports recharging with various cryptocurrencies like USDT, with relatively reasonable fees (the recharge fee for platinum cards is only 1% after KYC), and the exchange rate to USD is 1:1, with almost no exchange loss. The only thing to note is that opening the card may require a certain initial fee (such as 20U), but for long-term users, this cost can quickly be saved through low fees.
Recommendation Reason: Suitable for users with cryptocurrency assets who seek convenience for domestic consumption. Click VCard official website for more information.
2. PokePay: A Balanced Choice with Low Barriers and Multiple Scenarios#
If you value low fees and multi-currency support, PokePay is a very worthwhile option to try. This Hong Kong dollar VISA card supports recharges with various cryptocurrencies like USDT, BTC, ETH, with a consumption fee of only 1%, and a 1% conversion fee for non-HKD transactions. However, new cards have no small transaction fees and no minimum recharge requirements, making it a friendly partner for "lightweight players."
Another highlight of PokePay is its support for binding Hong Kong Alipay (AlipayHK), which makes it perform excellently in domestic QR code consumption. At the same time, it can also cover overseas subscriptions (such as Netflix, OpenAI API) and cross-border e-commerce payments, catering to both online and offline scenarios. For users who want to cash out while retaining some flexibility, PokePay's physical card even supports ATM withdrawals, maximizing practicality. Its background as a Hong Kong-based company holding a US MSB license also makes its compliance more convincing.
Recommendation Reason: Low fees and applicable in multiple scenarios, suitable for users with limited budgets but diverse needs. For details, visit PokePay official website.
3. Dupay: A Traditional Choice, Stable but Requires Caution#
Dupay, as a veteran player in the cryptocurrency cash-out field, has a large user base and offers various options for VISA and MasterCard, with a simple application process and no recharge amount threshold. It supports USDT recharges and has strong global payment capabilities, allowing for consumption on platforms like WeChat and Alipay, as well as overseas platforms like Amazon and Paypal. However, Dupay occasionally experiences recharge and withdrawal issues due to system maintenance, and there have been rumors of it going offline, although it ultimately survived; users still need to evaluate its stability themselves.
For users who are already familiar with cryptocurrency trading processes and are willing to accept certain risks, Dupay remains a practical alternative. Its new Euro card feature also provides more possibilities for users with European consumption needs. It is recommended to use it immediately after recharging to avoid keeping too much balance on the card.
Recommendation Reason: A veteran platform, suitable for experienced users as a backup card. Want to know more? Click Dupay official website.
4. Bybit Card: A High-Cost-Performance Choice Backed by an Exchange#
If you are a user of the Bybit exchange or are willing to try the U card launched by the exchange, Bybit Card is worth a look. As an official product launched by Bybit, it is backed by strong exchange resources, with highly integrated recharge and consumption processes, supporting cryptocurrencies like USDT, with transparent fees and cashback benefits (such as 10% cashback for new users in the first 30 days). For users in mainland China, when opening the card, you need to select a non-Chinese region (such as Australia) and complete KYC, but the overall process is not too complicated.
The advantage of Bybit Card lies in its strong linkage with the exchange account, providing high cash-out efficiency, suitable for users accustomed to operating on the Bybit platform. However, due to its global market orientation, its support for domestic consumption may not be as good as VCard or PokePay, requiring the use of other tools in conjunction.
Recommendation Reason: Suitable for Bybit users or players seeking cashback benefits. Visit Bybit Card official website for details.
5. WasabiCard: A Low-Key but Promising Newcomer#
WasabiCard may not be the most well-known in mainland China, but its low profile does not mean it lacks strength. This card supports cryptocurrency recharges, with fees and functionality similar to PokePay, but it focuses more on the convenience of cross-border payments. For users with overseas shopping or subscription needs, WasabiCard performs well.
Due to relatively little information available, it is recommended that interested users start with small tests to gradually familiarize themselves with its services. Its potential lies in the possibility of launching more localized features in the future, making it worth continuous attention.
Recommendation Reason: Suitable for users willing to try new cards and seeking cross-border payment options. Check WasabiCard official website for more information.
6. LocalCard, BinPay, Chicha: Supplementary Choices for Specific Scenarios#
In addition to the main recommendations above, there are three cards suitable for users with specific needs:
- LocalCard: Focuses on low loss and high consumption limits, suitable for users who frequently consume online and offline. It is somewhat similar to PokePay but leans more towards large transaction scenarios.
- BinPay: Focuses on enterprise-level payment solutions. If you have business cash-out needs (such as cross-border e-commerce), BinPay's compliance and high-speed payment services will be a good choice.
- Chicha: Low-key but practical, with high consumption limits and low loss, suitable for users who need large cash-outs but do not want to deal with too much hassle.
Although these three cards are not widely discussed among domestic users, each has its own characteristics and can serve as a supplement to the main cards. For specific information, you can visit LocalCard official website, BinPay official website, and Chicha official website.
Summary: How to Choose the Right U Card for You?#
In April 2025, the cash-out needs of users in mainland China remain diverse. If you seek convenience and stability for domestic consumption, VCard is the first choice; if you want low fees and multi-scenario support, PokePay will not disappoint you; veteran users can continue to trust Dupay, but need to be cautious of risks; exchange players can try Bybit Card. As for WasabiCard, LocalCard, BinPay, and Chicha, they are more suitable for advanced users with specific needs.
As a U card expert, I recommend that everyone choose a suitable card based on their capital, usage scenarios, and risk tolerance. Cash-out safety comes first; do not be tempted by small profits at the expense of platform stability. I hope this recommendation can help you avoid detours on your cash-out journey in the cryptocurrency world and find the most suitable tools for yourself!