#稳定币 Recently, discussions about U cards on Xiaohongshu have been very lively, and many people are attracted by the convenient payment method. But after seeing the analysis from Caixin, I want to honestly share some thoughts with everyone.

The essence of the U card is cross-border payment using USDT stablecoins. This idea indeed solves some practical problems. However, the issue is that using such products domestically involves a layer of special legal risks — this is not just a technical issue, but also a compliance issue. We all know that stablecoins themselves are quite controversial, and combined with the gray area of issuance and use within the country, the risks are amplified many times.

It reminds me that I have seen many investors overlook the underlying risks in pursuit of "new and convenient" solutions. The same logic applies here — no matter how convenient a tool is, if its legal status is unclear, it’s like building a house on quicksand, and it could face freezing, regulatory crackdown, or even legal consequences at any time.

My simple advice is: be cautious when aligning with new payment methods. Until the rules are fully clarified, there’s no need to rush to try new things. The first principle of asset safety is to choose methods that are widely recognized and legally clear. Steady individuals will wait, observe, and choose those that have stood the test of time.

This is not conservatism; it’s being responsible for yourself.