#稳定币 Recently, there's been particularly heated discussion about U cards on Little Red Book, with many people attracted by the convenient payment method. But after reading Caixin's analysis, I have some candid words to share with everyone.

U cards are essentially cross-border payments using USDT stablecoins, and this idea does solve some real problems. However, the issue is that using such products domestically involves a special legal risk layer—this isn't just a technical issue, it's a compliance issue. We all know stablecoins themselves are quite controversial, and combined with the gray zone of issuance and use within China, the risks are amplified many times over.

I recall seeing many investors overlook underlying risks while chasing "novel convenience." This follows the same logic—no matter how convenient a tool is, if its legal status isn't clear, it's like building a house on quicksand, facing the risk of asset freezes, regulatory crackdowns, or even legal consequences at any time.

My advice is simple: maintain a cautious attitude toward new payment methods. Before the rules are completely clarified, there's no need to rush into trying them. The first principle of asset security is choosing methods that are widely recognized and legally clear. Prudent people wait, observe, and choose paths that have stood the test of time.

This isn't conservatism, this is taking responsibility for yourself.