One of the ultimate solutions for DeFi is doing Crypto Pay. Because it greatly attracts users to store assets on the platform, China Merchants Bank's annual interest rate for fixed deposits is 1-1.4%. - The actual annualized rate for sUSDe is roughly around 4.7%–4.9%. Ethena Pay also offers cashback on spending, whereas China Merchants Bank credit cards almost have no cashback. Plus, with Ethena Pay, you can earn higher returns by purchasing and depositing ENA. Looking at this comparison, I’m going to download Ethena Pay and then buy a LV bag.