{"id":1211,"date":"2026-01-27T17:14:48","date_gmt":"2026-01-27T09:14:48","guid":{"rendered":"https:\/\/www.benpay.com\/blog\/?p=1211"},"modified":"2026-01-27T17:14:49","modified_gmt":"2026-01-27T09:14:49","slug":"on-chain-yield-cards-u-card-defi-integration","status":"publish","type":"post","link":"https:\/\/www.benpay.com\/blog\/index.php\/zh\/on-chain-yield-cards-u-card-defi-integration\/","title":{"rendered":"U \u5361 + DeFi \u4e00\u4f53\u5316\uff1a\u94fe\u4e0a\u751f\u606f\u5361\u5982\u4f55\u8ba9\u95f2\u7f6e\u8d44\u91d1\u8d5a\u53d6 3-15% \u6536\u76ca"},"content":{"rendered":"\n<p>\u8fdb\u5165 2026 \u5e74\uff0c\u7a33\u5b9a\u5e01\u5728\u52a0\u5bc6\u91d1\u878d\u4f53\u7cfb\u4e2d\u7684\u89d2\u8272\u6b63\u5728\u53d1\u751f\u6839\u672c\u6027\u8f6c\u53d8\u3002\u5b83\u4eec\u4e0d\u518d\u53ea\u662f\u201c\u94b1\u5305\u91cc\u7684\u8d44\u4ea7\u201d\uff0c\u800c\u662f\u5f00\u59cb\u771f\u6b63\u8fdb\u5165<strong>\u652f\u4ed8\u3001\u7ed3\u7b97\u4e0e\u6536\u76ca\u7ba1\u7406<\/strong>\u7b49\u9ad8\u9891\u91d1\u878d\u573a\u666f\u3002<\/p>\n\n\n\n<p>\u4e00\u4e2a\u663e\u8457\u8d8b\u52bf\u662f\uff1a<strong>\u7528\u6237\u4e0d\u518d\u6ee1\u8db3\u4e8e\u201c\u80fd\u82b1\u7684\u7a33\u5b9a\u5e01\u201d\uff0c\u800c\u662f\u5e0c\u671b\u8d44\u91d1\u5728\u201c\u53ef\u968f\u65f6\u4f7f\u7528\u201d\u7684\u524d\u63d0\u4e0b\uff0c\u4f9d\u7136\u80fd\u591f\u6301\u7eed\u4ea7\u751f\u6536\u76ca\u3002<\/strong><\/p>\n\n\n\n<p>\u6b63\u662f\u5728\u8fd9\u4e00\u80cc\u666f\u4e0b\uff0c<strong>U \u5361\uff08Crypto Payment Card\uff09\u4e0e DeFi \u7684\u6df1\u5ea6\u878d\u5408\u5f00\u59cb\u52a0\u901f\uff0c\u4e00\u79cd\u5168\u65b0\u7684\u4ea7\u54c1\u5f62\u6001\u9010\u6e10\u6d6e\u73b0\u2014\u2014\u94fe\u4e0a\u751f\u606f\u5361\u3002<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f20\u7edf U \u5361\u7684\u7ed3\u6784\u6027\u74f6\u9888\uff1a\u8d44\u91d1\u4e00\u65e6\u5145\u503c\uff0c\u5c31\u5f00\u59cb\u201c\u8eba\u5e73\u201d<\/h2>\n\n\n\n<p>\u5728\u5f53\u524d\u5e02\u573a\u4e2d\uff0c\u5927\u591a\u6570\u52a0\u5bc6 U \u5361\u7684\u903b\u8f91\u4f9d\u7136\u505c\u7559\u5728\u300c\u5145\u503c \u2192 \u6d88\u8d39\u300d\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7a33\u5b9a\u5e01\u5145\u503c\u8fdb\u5361\u8d26\u6237<\/li>\n\n\n\n<li>\u7b49\u5f85\u88ab\u5237\u5361\u6216\u7ebf\u4e0a\u652f\u4ed8\u6d88\u8017<\/li>\n\n\n\n<li>\u672a\u6d88\u8d39\u671f\u95f4\uff0c\u8d44\u91d1\u4e0d\u4ea7\u751f\u4efb\u4f55\u6536\u76ca<\/li>\n<\/ul>\n\n\n\n<p>\u8fd9\u610f\u5473\u7740\uff1a<strong>\u5361\u8d26\u6237\u4f59\u989d\u5728\u201c\u88ab\u82b1\u6389\u4e4b\u524d\u201d\uff0c\u672c\u8d28\u4e0a\u662f\u4e00\u7b14\u96f6\u606f\u8d44\u91d1\u3002<\/strong><\/p>\n\n\n\n<p>\u5373\u4fbf\u7528\u6237\u719f\u6089 <strong>DeFi \u6536\u76ca\u8015\u4f5c<\/strong>\uff0c\u4e5f\u5f80\u5f80\u9700\u8981\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u624b\u52a8\u5c06\u8d44\u91d1\u8f6c\u51fa\u5361\u8d26\u6237<\/li>\n\n\n\n<li>\u8de8\u94fe\u3001\u5151\u6362\u3001\u518d\u6295\u5165\u6536\u76ca\u534f\u8bae<\/li>\n\n\n\n<li>\u6d88\u8d39\u524d\u518d\u53cd\u5411\u8d4e\u56de\u3001\u5145\u503c<\/li>\n<\/ul>\n\n\n\n<p>\u6d41\u7a0b\u5272\u88c2\u3001\u6210\u672c\u9ad8\u6602\uff0c\u4f7f\u5f97\u201c\u652f\u4ed8\u8d26\u6237\u201d\u548c\u201c\u6536\u76ca\u8d26\u6237\u201d\u957f\u671f\u5904\u4e8e\u5206\u79bb\u72b6\u6001\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">DeFi \u00d7 U \u5361\uff1a\u652f\u4ed8\u8d26\u6237\u5f00\u59cb\u5177\u5907\u94fe\u4e0a\u751f\u606f\u80fd\u529b<\/h2>\n\n\n\n<p>\u968f\u7740 DeFi \u534f\u8bae\u9010\u6e10\u6210\u719f\u3001\u7a33\u5b9a\u5e01\u6536\u76ca\u6a21\u578b\u8d8b\u4e8e\u7a33\u5065\uff0c\u4e00\u79cd\u65b0\u7684\u67b6\u6784\u6b63\u5728\u5f62\u6210\uff1a<strong>\u5c06 DeFi \u6536\u76ca\u5c42\u76f4\u63a5\u5d4c\u5165 U \u5361\u8d26\u6237\u672c\u8eab\uff0c\u4f7f\u201c\u652f\u4ed8\u8d26\u6237\u201d\u540c\u65f6\u6210\u4e3a\u201c\u94fe\u4e0a\u6536\u76ca\u8d26\u6237\u201d\u3002<\/strong><\/p>\n\n\n\n<p>\u5728\u8fd9\u4e00\u6a21\u5f0f\u4e0b\uff0c\u5361\u8d26\u6237\u4f59\u989d\u4e0d\u518d\u662f\u9759\u6001\u5b58\u653e\u7684\u8d44\u91d1\uff0c\u800c\u662f\u5177\u5907\u4e24\u79cd\u72b6\u6001\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u53ef\u6d88\u8d39\u72b6\u6001<\/strong>\uff1a\u7528\u4e8e\u65e5\u5e38\u652f\u4ed8\uff0c\u4fdd\u6301\u968f\u65f6\u53ef\u7528<\/li>\n\n\n\n<li><strong>\u81ea\u52a8\u751f\u606f\u72b6\u6001<\/strong>\uff1a\u5728\u672a\u88ab\u4f7f\u7528\u65f6\uff0c\u53c2\u4e0e\u94fe\u4e0a\u6536\u76ca\u7b56\u7565<\/li>\n<\/ul>\n\n\n\n<p>\u6574\u4e2a\u8fc7\u7a0b\u5bf9\u7528\u6237\u6765\u8bf4\u662f<strong>\u65e0\u611f\u7684 <\/strong>\u2014\u2014 \u65e0\u9700\u7406\u89e3\u590d\u6742\u534f\u8bae\uff0c\u4e5f\u65e0\u9700\u9891\u7e41\u624b\u52a8\u64cd\u4f5c\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u884c\u4e1a\u8d8b\u52bf\uff1a\u7a33\u5b9a\u5e01 + DeFi \u7684\u53ef\u6301\u7eed\u4f7f\u7528\u4ef7\u503c<\/h2>\n\n\n\n<p>\u5728 Google \u4e0e X \u5e73\u53f0\u4e0a\uff0c\u7528\u6237\u5173\u6ce8\u7684\u70ed\u70b9\u5df2\u7ecf\u4ece\u201c\u9ad8 APY \u519c\u8015\u201d\u8f6c\u5411\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5982\u4f55\u5728\u8d44\u91d1\u4fdd\u6301\u6d41\u52a8\u6027\u7684\u540c\u65f6\uff0c\u5b9e\u73b0\u7a33\u5b9a\u3001\u53ef\u6301\u7eed\u7684\u94fe\u4e0a\u6536\u76ca<\/li>\n\n\n\n<li>\u591a\u94fe\u6536\u76ca\u7b56\u7565\u805a\u5408\u4ea7\u54c1<\/li>\n\n\n\n<li>U \u5361\u4e0e DeFi \u7684\u65e0\u7f1d\u4e00\u4f53\u5316<\/li>\n<\/ul>\n\n\n\n<p>\u6839\u636e <a href=\"https:\/\/cryptorank.io\/\" target=\"_blank\" rel=\"noopener\">CryptoRank<\/a> \u548c <a href=\"https:\/\/defillama.com\/\" target=\"_blank\" rel=\"noopener\">DeFiLlama<\/a> \u5e02\u573a\u6570\u636e\uff0c<strong>\u7a33\u5b9a\u5e01\u5168\u7403\u5e02\u503c<\/strong>\u5df2\u7a81\u7834 <strong>3 \u4e07\u4ebf\u7f8e\u5143<\/strong>\uff0c<strong>DeFi TVL\uff08\u603b\u9501\u4ed3\u91cf\uff09<\/strong>\u5728 <strong>1,000\u20131,500 \u4ebf\u7f8e\u5143<\/strong>\u533a\u95f4\u3002\u8d8b\u52bf\u663e\u793a\uff0c<strong>\u652f\u4ed8\u4e0e DeFi \u4e00\u4f53\u5316\u6b63\u6210\u4e3a\u4e3b\u6d41<\/strong>\uff0c<strong><a href=\"https:\/\/www.benpay.com\/card\/home\">BenPay \u94fe\u4e0a\u751f\u606f\u5361<\/a><\/strong><strong>\u662f\u8fd9\u79cd\u8d8b\u52bf\u7684\u5177\u4f53\u5b9e\u73b0<\/strong>\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"368\" src=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/01\/CryptoRank-1024x368.png\" alt=\"\" class=\"wp-image-1206\" style=\"width:600px;height:auto\" srcset=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/01\/CryptoRank-1024x368.png 1024w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/01\/CryptoRank-300x108.png 300w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/01\/CryptoRank-768x276.png 768w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/01\/CryptoRank.png 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-center\"><em>\uff08\u6765\u6e90\uff1acryptorank\uff09<\/em><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"388\" src=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/01\/DeFiLlama-1024x388.png\" alt=\"\" class=\"wp-image-1207\" style=\"width:600px\" srcset=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/01\/DeFiLlama-1024x388.png 1024w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/01\/DeFiLlama-300x114.png 300w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/01\/DeFiLlama-768x291.png 768w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/01\/DeFiLlama.png 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-center\"><em>\uff08\u6765\u6e90\uff1aDeFiLlama\uff09<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">BenPay \u94fe\u4e0a\u751f\u606f\u5361\uff1aU \u5361 + DeFi \u4e00\u4f53\u5316\u673a\u5236<\/h2>\n\n\n\n<p>BenPay \u94fe\u4e0a\u751f\u606f\u5361\u4e0d\u4ec5\u662f\u4e00\u5f20\u666e\u901a\u7684\u52a0\u5bc6\u652f\u4ed8\u5361\uff0c\u66f4\u662f<strong>\u652f\u4ed8\u529f\u80fd\u4e0e DeFi \u6536\u76ca\u7684\u6df1\u5ea6\u878d\u5408\u3002<\/strong>\u4f5c\u4e3a <a href=\"http:\/\/www.benfen.org\" target=\"_blank\" rel=\"noopener\">BenFen \u516c\u94fe<\/a>\u4e0a\u7684 U\u5361 + DeFi \u8d5a\u5e01\u89e3\u51b3\u65b9\u6848\uff0c\u7531 <strong>BiXin Ventures<\/strong> \u5168\u8d44\u5b75\u5316\uff0c2025\u5e74\u5e95 BenPay \u63a8\u51fa DeFi \u8d5a\u5e01\u540e\uff0cTVL \u8fc5\u901f\u7834 <strong>2000 \u4e07\u7f8e\u5143\u3002<\/strong>\u4e0e\u4e2d\u5fc3\u5316\u7406\u8d22\u4e0d\u540c\uff0cBenPay \u94fe\u4e0a\u751f\u606f\u5361\u7684\u6536\u76ca\u6765\u81ea<strong>\u53ef\u9a8c\u8bc1\u7684\u94fe\u4e0a DeFi \u534f\u8bae<\/strong>\uff0c\u7528\u6237\u59cb\u7ec8<strong>\u81ea\u6301\u8d44\u4ea7\u63a7\u5236\u6743<\/strong>\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u6838\u5fc3\u529f\u80fd\uff1a\u8fb9\u652f\u4ed8\u3001\u8fb9\u751f\u606f<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u667a\u80fd\u4f59\u989d\u7ba1\u7406<\/strong>\n<ol class=\"wp-block-list\">\n<li>\u7528\u6237\u5361\u8d26\u6237\u4f59\u989d\u81ea\u52a8\u5728\u201c\u53ef\u6d88\u8d39\u72b6\u6001\u201d\u548c\u201c\u81ea\u52a8\u751f\u606f\u72b6\u6001\u201d\u95f4\u5207\u6362<\/li>\n\n\n\n<li>\u6d88\u8d39\u65f6\u5373\u65f6\u8d4e\u56de<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u591a\u94fe\u84dd\u7b79\u534f\u8bae\u805a\u5408<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u5361\u8d26\u6237\u4f59\u989d\u53ef\u76f4\u63a5\u63a5\u5165 <strong>BenPay DeFi Earn<\/strong> \u534f\u8bae\uff0c\u652f\u6301\u8de8\u94fe\u6d41\u52a8<\/li>\n\n\n\n<li>\u6295\u5165 <strong>Aave\u3001Solana\u3001Compound\u3001Morpho\u3001Ethena\u3001Sky<\/strong> \u7b49<strong>\u9876\u7ea7\u84dd\u7b79\u534f\u8bae<\/strong><\/li>\n\n\n\n<li>\u5c4f\u853d\u9ad8\u98ce\u9669\u957f\u5c3e\u8d44\u4ea7\uff0c\u5b9e\u73b0\u7a33\u5065\u589e\u503c<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u6781\u7b80\u4ea4\u4e92\u4e0e\u81ea\u52a8\u590d\u5229<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u652f\u6301 Google\/Apple \u8d26\u53f7\u5feb\u901f\u521b\u5efa\u94b1\u5305\uff0c<strong>\u4e00\u952e\u5373\u6295<\/strong><\/li>\n\n\n\n<li>\u6536\u76ca\u81ea\u52a8\u6eda\u5165\u672c\u91d1\uff0c<strong>\u96f6 Gas \u590d\u6295<\/strong><\/li>\n\n\n\n<li>\u652f\u6301<strong>\u968f\u65f6\u8d4e\u56de<\/strong>\uff0c\u63d0\u9ad8\u8d44\u91d1\u4f7f\u7528\u6548\u7387<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u7528\u6237\u4f53\u9a8c\u4f18\u52bf\uff1a<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u96f6\u95e8\u69db\u7533\u8bf7<\/strong>\uff1a\u6301\u6709\u6548\u8bc1\u4ef6\u5373\u53ef\u5728\u7ebf\u7533\u8bf7\uff0c\u65e0\u9700\u9884\u5b58\u8d44\u91d1\u6216\u8d28\u62bc\u4ee3\u5e01<\/li>\n\n\n\n<li><strong>\u8d44\u91d1\u81ea\u6258\u7ba1<\/strong>\uff1a\u7528\u6237\u81ea\u6301\u79c1\u94a5\uff0c\u667a\u80fd\u5408\u7ea6\u7ecf\u6162\u96fe\u5ba1\u8ba1\uff0c\u4fdd\u969c\u8d44\u4ea7\u4e0e\u4fe1\u606f\u5b89\u5168<\/li>\n\n\n\n<li><strong>\u591a\u94fe\u5145\u63d0<\/strong>\uff1a\u652f\u6301USDT\/USDC \u8de8\u94fe\u76f4\u5145\u76f4\u63d0\uff0c\u517c\u5bb9 Ethereum\u3001Solana\u3001Tron\u3001BSC\u3001Polygon\u3001Arbitrum \u7b49\u5341\u4f59\u4e3b\u6d41\u94fe<\/li>\n\n\n\n<li><strong>\u591a\u5361\u7075\u6d3b<\/strong>\uff1a<strong>Alpha<\/strong> \u5361 0 \u5145\u503c\u624b\u7eed\u8d39\uff0c<strong>Delta<\/strong> \u5361 0 \u6708\u8d39\uff0c<strong>Sigma<\/strong> \u5361\u9002\u5408\u9ad8\u989d\u8de8\u5883\u652f\u4ed8<\/li>\n\n\n\n<li><strong>\u4f59\u989d\u8d5a\u5e01<\/strong>\uff1a\u7528\u6237\u4e3b\u52a8\u5f00\u542f\u751f\u606f\u540e\uff0c\u5361\u8d26\u6237\u4f59\u989d\u81ea\u52a8\u53c2\u4e0e <strong>BenPay DeFi Earn<\/strong> \u534f\u8bae\uff0c\u5e74\u5316\u6536\u76ca 3%-15%<\/li>\n\n\n\n<li><strong>\u9ad8\u989d\u652f\u4ed8\u4e0e\u5168\u7403\u7545\u5237<\/strong>\uff1a\u5355\u5361\u989d\u5ea6\u9ad8\u8fbe 200,000 \u7f8e\u5143\u8d77\uff0c\u652f\u6301 Apple Pay\u3001Google Pay\u3001Alipay\u3001WeChat Pay \u7b49<\/li>\n<\/ul>\n\n\n\n<p>\u901a\u8fc7\u4e0a\u8ff0\u529f\u80fd\u4e0e\u4f53\u9a8c\u7ed3\u5408\uff0cBenPay 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5<\/strong><strong>\u5929<\/strong>\uff0c\u6bcf\u4eba\u53ef\u83b7 <strong>$5U<\/strong>\u3002<\/li>\n\n\n\n<li><strong>\u4e92\u52a8\u5206\u4eab\u5956\u52b1<\/strong> \u5173\u6ce8 BenPay \u5b98\u65b9 Twitter <a href=\"https:\/\/x.com\/BenPayGlobal\">@BenPayGlobal<\/a>\uff0c\u70b9\u8d5e + \u8f6c\u53d1<a href=\"https:\/\/x.com\/BenPayGlobal\/status\/2016061460766757089\">\u6d3b\u52a8\u63a8\u6587<\/a>\uff0c\u5e76\u8bc4\u8bba\u94b1\u5305\u5730\u5740\uff0c<strong>10 \u540d\u968f\u673a<\/strong>\u7528\u6237\u53ef\u83b7 <strong>$3U<\/strong>\u3002<\/li>\n<\/ol>\n\n\n\n<p>\u6d3b\u52a8\u65f6\u95f4\uff1a1 \u6708 27 \u65e5 \u2013 2 \u6708 5 \u65e5\uff0c\u5956\u52b1\u5c06\u5728\u6d3b\u52a8\u7ed3\u675f\u540e 7 \u4e2a\u5de5\u4f5c\u65e5\u5185\u53d1\u653e\u3002<\/p>\n\n\n\n<p>\u7acb\u5373\u70b9\u51fb\u6307\u5b9a\u94fe\u63a5\u53c2\u4e0e\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u83b7\u53d6\u94fe\u4e0a\u751f\u606f\u5361\uff1a<a href=\"https:\/\/benpay.com\/card?invite_code=H65DQ5\" 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