There is a native stablecoin banking product on the Plasma chain that completely rewrites the awkward situation of "USDT in your wallet can only be sold C2C." The core logic is simple: USDT directly linked to a card for global consumption, bypassing exchanges. Virtual cards can be opened in minutes, and physical Visa cards support over 150 countries and 150 million+ merchants (usable online and offline). Spend here, earn there — idle balances automatically run DeFi strategies like Aave, with annual yields of 10%+, no lock-up periods, and withdrawals anytime. Each transaction also earns 4% cashback (in tokens), with zero hidden foreign exchange fees throughout.

The most practical application scenario comes from emerging market populations. For example, if you work in Dubai or Turkey and have accumulated a large amount of USDT in your salary, and want to send money home. Traditional methods require finding C2C merchants to exchange for local currency, then using Western Union or bank intermediaries to transfer — taking 5-10% in fees, and 3-5 days to arrive, with exchange rate fluctuations as a variable. Using this on-chain card is different: directly transfer USDT to family members (confirmed in seconds, experience similar to WeChat transfers), and they can open a card to spend or withdraw directly. Cross-border costs are almost zero, and the time is measured in seconds. This is not a "curve-saving" crypto card, but a native chain connection directly to Visa.