《Personal Experience with Mainstream U Cards/Overseas Payment Methods》 1️⃣ etherfi: Mainly used for small transactions, great cashback at 3%. 2️⃣ plasma: Used as a backup, 3% cashback in plasma tokens. The experience isn’t as good as etherfi, but the 1% referral reward is pretty generous. 3️⃣ bybit: Currently collecting dust. Cashback rate isn’t high, and wear-and-tear is significant. The upside is that it’s a large exchange, so relatively safe. 4️⃣ wechat hk/alipay hk: For large payments, wear-and-tear is around 1%. Pair it with a high-cashback Hong Kong card, and the cashback might offset the wear-and-tear. 5️⃣ paypal: Link your U card to pay in USD. Useful for merchants that don’t accept direct U card payments. Plus, there are no fees for USD payments via PayPal. Does anyone have other recommended payment channels? #PaymentTips #CryptoLife