Under the spotlight in Dubai, CZ pulled out not a high-end wallet from his suit pocket, but a gray-black card. Facing the cameras, he said, "I no longer hold any fiat currency; I rely on it for my daily life." The experienced investors in the audience instantly stirred—after being paused five years ago, the "Binance Card" is making a comeback!
Last night's crypto community was completely taken over by a video. In an interview during the Binance Blockchain Week in Dubai, Binance founder CZ (Zhao Changpeng) publicly showcased his portable "lifestyle solution"—the Binance Card. He confirmed that he has almost completely lived in the cryptocurrency ecosystem, rarely holding cash, and relies on this card that can instantly convert cryptocurrency into fiat for daily spending.
Even more shocking is that he revealed a key signal: due to changes in the external environment, payment products like the 'Binance card', which were once obstructed, are planning to be re-promoted in the next three to four years. This statement ignited the community. Countless people began rummaging through their belongings looking for old cards they hadn’t activated five years ago or had activated but were forced to stop using, with comments all saying 'I want one too!'.
But after the celebration, a more realistic question faces everyone: what does this card really mean for the wealth growth of ordinary people?
01 The distance between CZ's daily life and yours: the temperature difference between ideal and reality.
What CZ presents is an ideal lifestyle for a 'devout believer' in cryptocurrency: holding assets like BTC and BNB, and being able to buy a cup of coffee in any store that accepts Visa, just like swiping a regular bank card. The system converts your crypto into local fiat currency at the optimal exchange rate instantly at the moment of payment, completing the transaction. You can even receive up to 8% cashback in BNB based on your spending amount.
It sounds wonderful, but is this really the 'optimal solution' for ordinary people to navigate the crypto market?
It’s worth reflecting calmly on CZ’s subtext and the parts he hasn’t mentioned. This card addresses the 'consumption outlet' issue of cryptocurrency, giving crypto immediate purchasing power. However, for most of us, the core conflict is not how to spend the crypto in hand, but how to ensure that the assets we hold grow steadily during bull and bear cycles without being easily consumed.
When you swipe your Binance card to spend 0.01 ETH to buy a phone, you do enjoy the convenience. But have you thought about the fact that if this ETH appreciates tenfold in the next bull market, you just spent enough for ten phones in the future? The other side of convenient payments could be the 'passive consumption' of long-term assets. CZ might not care much, but for ordinary holders with vastly different asset levels, each expenditure is a struggle against compound interest.
02 More important than 'spending crypto': building a fortress of stable income amidst volatility.
Therefore, before celebrating 'finally being able to spend crypto', a more prioritized strategy should be: how to ensure our crypto assets continue to generate income without being sold, to 'self-generate blood'.
This is precisely the key value that innovative protocols like @usddio provide for ordinary people. If the Binance card serves as a bridge for consumption between the 'crypto world' and the 'real world', then @usddio is the fortress of income built for us within the 'crypto world'.
#USDD's core lies not only in its price anchoring as a stablecoin but also in providing a robust strategy for obtaining 'certain income' in a volatile market. Its 'smart allocator' can automatically allocate assets into safe earning protocols, generating sustainable cash flow for holders.
Imagine a scenario: while others excitedly use their Binance cards to spend their ETH principal, you could choose to place a portion of your assets into the @usddio ecosystem. These assets will not decrease due to your daily spending; instead, they will act like a miniature power station, continuously generating income for you. This stable income can serve as a living subsidy or be reinvested to expand your asset base.
One is to 'cash out and spend' the assets, and the other is to make the assets 'work for income'. These two strategies point to completely different wealth trajectories.
03 The ultimate combination: using stable income to support future consumption.
This does not mean that the Binance card lacks value. On the contrary, it can only unleash its maximum power when combined with income strategies like @usddio.
A forward-looking strategy might be: using the stable income from @usddio as a 'cash flow ammunition depot' to recharge the Binance card for daily consumption.
In this way, you achieve a perfect closed loop:
The principal (such as BTC, ETH) can be fully preserved, and even appreciated through other strategies, waiting for long-term returns.
A part of the allocated assets generates stable USDD income through protocols like @usddio.
Regularly transfer this portion of USDD income into the Binance card for all payments in the real world.
You are no longer consuming the potentially skyrocketing principal of assets, but rather the 'interest' that the assets generate for you. You enjoy the convenience of spending brought by cryptocurrency while fully preserving your position against future major cycles. This is the true balance of 'having both fish and bear's paw'.
CZ's restart of the Binance card marks a significant step forward for crypto payments into the mainstream world. However, for each of us ordinary people, building a solid foundation of stable income is always more fundamental and important than chasing the trend of convenient payments.
When the gates to payment swing open, are you going to rush in with constantly depleting principal, or are you going to enter calmly with a steady stream of 'interest income'? The answer may lie within protocols like @usddio that are dedicated to #USDD for stable trust.
@USDD - Decentralized USD #USDD以稳见信
