With the booming development of the cryptocurrency market, more and more domestic users are starting 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 of the crypto world, 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 a 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 wish 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 activation fee of only 20 USDT, while the physical card costs 99 USDT, supporting ATM withdrawals and POS transactions, covering both online and offline needs comprehensively. 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 stands out compared to other U cards with rates generally above 2%. More importantly, VCard has launched a Mastercard physical card, which not only supports online consumption but also allows for global ATM withdrawals or offline POS transactions, making it particularly practical 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 its low application threshold, with no minimum recharge amount required, and you can open a card through a simple registration process. Dupay supports USDT recharges and offers both VISA and Mastercard virtual cards, suitable for global payment scenarios 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 excessive balances.
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 recharges, and offering various prepaid card options such as Visa and Mastercard. WasabiCard focuses on small transaction scenarios, with actual losses when binding to WeChat or Alipay being only 2.5%, 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, with stability verified by the market, and will 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 world.
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 recharges with various cryptocurrencies such as USDT and BTC, with the virtual card available for online consumption, while the physical card supports offline transactions and 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 recharges and offers 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 world. Although it may not be as feature-rich or globally covered 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 reliable entry-level choice. Its customer service is also more aligned with domestic user habits, providing quick answers to common questions.
Summary and Selection Suggestions#
The six U cards above 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 cash-out market in the crypto world in 2025 is highly competitive, and each U card is continuously optimizing its services. It is recommended that everyone maintain the habit of "use it immediately after recharging" to avoid affecting fund safety 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!