{"id":2408,"date":"2026-06-16T16:49:54","date_gmt":"2026-06-16T08:49:54","guid":{"rendered":"https:\/\/www.benpay.com\/blog\/?p=2408"},"modified":"2026-06-16T16:49:56","modified_gmt":"2026-06-16T08:49:56","slug":"why-crypto-card-payments-not-smooth-usdt-usdc-cash-experience","status":"publish","type":"post","link":"https:\/\/www.benpay.com\/blog\/index.php\/zh\/why-crypto-card-payments-not-smooth-usdt-usdc-cash-experience\/","title":{"rendered":"\u52a0\u5bc6\u8d27\u5e01\u5361\u4e3a\u4ec0\u4e48\u652f\u4ed8\u4e0d\u987a\u7545\uff1f\u5982\u4f55\u8ba9 USDT\/USDC \u652f\u4ed8\u66f4\u63a5\u8fd1\u73b0\u91d1\u4f53\u9a8c"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u7528\u6237\u9009\u62e9\u52a0\u5bc6\u5361\uff0c\u662f\u4e3a\u4e86\u628a USDT\u3001USDC 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\u7b49\u7a33\u5b9a\u5e01\u7684\u7528\u6237\u5c24\u5176\u91cd\u8981\u3002\u7528\u6237\u4e0d\u5fc5\u6bcf\u6b21\u6d88\u8d39\u524d\u90fd\u91cd\u65b0\u7406\u89e3\u590d\u6742\u8def\u5f84\uff0c\u800c\u662f\u53ef\u4ee5\u5728\u4e00\u4e2a\u66f4\u7edf\u4e00\u7684\u754c\u9762\u4e2d\u5b8c\u6210\u8d44\u4ea7\u7ba1\u7406\u548c\u652f\u4ed8\u64cd\u4f5c\u3002<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>\u66f4\u63a5\u8fd1\u65e5\u5e38\u652f\u4ed8\u7684\u4f7f\u7528\u4f53\u9a8c<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">BenPay Card \u7684\u76ee\u6807\uff0c\u662f\u8ba9\u7528\u6237\u5728\u73b0\u5b9e\u573a\u666f\u4e2d\u66f4\u81ea\u7136\u5730\u4f7f\u7528\u52a0\u5bc6\u8d44\u4ea7\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u652f\u6301\u7684\u652f\u4ed8\u573a\u666f\u4e0b\uff0c\u7528\u6237\u53ef\u4ee5\u901a\u8fc7\u5361\u7247\u5b8c\u6210\u7ebf\u4e0a\u6216\u7ebf\u4e0b\u6d88\u8d39\uff0c\u800c\u4e0d\u5fc5\u6bcf\u6b21\u90fd\u624b\u52a8\u5904\u7406\u590d\u6742\u7684\u8d44\u4ea7\u8f6c\u6362\u6d41\u7a0b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u7528\u6237\u6765\u8bf4\uff0c\u7406\u60f3\u4f53\u9a8c\u662f\u524d\u53f0\u50cf\u4f7f\u7528\u666e\u901a\u5361\u7247\u652f\u4ed8\u4e00\u6837\u7b80\u5355\uff0c\u540e\u53f0\u5219\u7531\u7cfb\u7edf\u5b8c\u6210\u5fc5\u8981\u7684\u8d44\u4ea7\u8bc6\u522b\u3001\u8def\u5f84\u9009\u62e9\u548c\u7ed3\u7b97\u5904\u7406\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e5f\u662f\u52a0\u5bc6\u5361\u80fd\u5426\u8fdb\u5165\u4e3b\u6d41\u6d88\u8d39\u573a\u666f\u7684\u5173\u952e\uff1a\u7528\u6237\u4e0d\u5e94\u8be5\u4e3a\u6bcf\u4e00\u6b21\u652f\u4ed8\u7406\u89e3\u5e95\u5c42\u6d41\u7a0b\uff0c\u4ea7\u54c1\u672c\u8eab\u5e94\u8be5\u627f\u62c5\u590d\u6742\u6027\u3002<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>\u5361\u8d26\u6237\u4f59\u989d\u94fe\u4e0a\u751f\u606f\uff1a\u8ba9\u652f\u4ed8\u8d44\u91d1\u4e0d\u53ea\u662f\u201c\u7b49\u5f85\u6d88\u8d39\u201d<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">BenPay Card \u7684\u53e6\u4e00\u4e2a\u91cd\u8981\u7279\u70b9\uff0c\u662f\u652f\u6301<strong>\u5361\u8d26\u6237\u4f59\u989d\u94fe\u4e0a\u751f\u606f<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u5f88\u591a\u52a0\u5bc6\u5361\u7528\u6237\u6765\u8bf4\uff0c\u8d44\u91d1\u4e00\u65e6\u5145\u503c\u5230\u5361\u8d26\u6237\uff0c\u901a\u5e38\u5c31\u53ea\u662f\u7b49\u5f85\u6d88\u8d39\u7684\u4f59\u989d\u3002\u5728\u771f\u6b63\u5237\u5361\u4e4b\u524d\uff0c\u8fd9\u90e8\u5206\u8d44\u91d1\u5904\u4e8e\u76f8\u5bf9\u9759\u6b62\u72b6\u6001\uff0c\u65e0\u6cd5\u7ee7\u7eed\u53c2\u4e0e\u94fe\u4e0a\u8d44\u4ea7\u7ba1\u7406\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">BenPay Card \u8bd5\u56fe\u6539\u5584\u8fd9\u4e00\u70b9\u3002\u901a\u8fc7\u4e0e <a href=\"https:\/\/www.benpay.com\/defi-earn\/\">BenPay DeFi Earn<\/a> \u7684\u7ed3\u5408\uff0c\u5361\u8d26\u6237\u4e2d\u7684\u53ef\u7528\u4f59\u989d\u53ef\u4ee5\u5728\u94fe\u4e0a\u53c2\u4e0e\u6536\u76ca\u7b56\u7565\uff0c\u8ba9\u7528\u6237\u5728\u4fdd\u7559\u5361\u4f59\u989d\u652f\u4ed8\u80fd\u529b\u7684\u540c\u65f6\uff0c\u63d0\u9ad8\u8d44\u91d1\u4f7f\u7528\u6548\u7387\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">BenPay DeFi Earn \u4f1a\u5c06\u8d44\u4ea7\u6295\u5165\u7ecf\u8fc7\u7b5b\u9009\u7684\u4e3b\u6d41 DeFi \u534f\u8bae\u4e2d\uff0c\u5e2e\u52a9\u7528\u6237\u53c2\u4e0e\u94fe\u4e0a\u6536\u76ca\u7b56\u7565\u3002\u5177\u4f53\u6536\u76ca\u548c\u98ce\u9669\u5e94\u4ee5\u4ea7\u54c1\u9875\u9762\u53ca\u98ce\u9669\u63d0\u793a\u4e3a\u51c6\u3002\u8fd9\u610f\u5473\u7740\uff0c\u7528\u6237\u4e0d\u53ea\u662f\u53ef\u4ee5\u7528\u7a33\u5b9a\u5e01\u5b8c\u6210\u73b0\u5b9e\u652f\u4ed8\uff0c\u4e5f\u53ef\u4ee5\u8ba9\u6682\u65f6\u672a\u6d88\u8d39\u7684\u5361\u8d26\u6237\u4f59\u989d\u5728\u94fe\u4e0a\u6301\u7eed\u8fd0\u4f5c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u79cd\u8bbe\u8ba1\u8ba9 BenPay Card \u4e0d\u53ea\u662f\u4e00\u4e2a\u5b64\u7acb\u7684\u652f\u4ed8\u5de5\u5177\uff0c\u800c\u662f\u5d4c\u5165\u5728 BenPay Web3 App \u751f\u6001\u4e2d\u7684\u8d44\u4ea7\u4f7f\u7528\u5165\u53e3\u3002\u7528\u6237\u53ef\u4ee5\u5728\u540c\u4e00\u5e94\u7528\u4e2d\u7ba1\u7406\u591a\u94fe\u8d44\u4ea7\u3001\u4f7f\u7528\u5361\u7247\u652f\u4ed8\uff0c\u5e76\u901a\u8fc7 DeFi Earn \u8ba9\u5361\u8d26\u6237\u4f59\u989d\u53c2\u4e0e\u94fe\u4e0a\u751f\u606f\uff0c\u4ece\u800c\u5728\u201c\u8d44\u4ea7\u7ba1\u7406\u2014\u6536\u76ca\u2014\u652f\u4ed8\u201d\u4e4b\u95f4\u5f62\u6210\u66f4\u5b8c\u6574\u7684\u4f7f\u7528\u95ed\u73af\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/BenPay\u5361-1024x576.png\" alt=\"BenPay\u5361\" class=\"wp-image-2412\" style=\"width:600px\" srcset=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/BenPay\u5361-1024x576.png 1024w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/BenPay\u5361-300x169.png 300w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/BenPay\u5361-768x432.png 768w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/BenPay\u5361.png 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">BenPay Card \u4e0e\u5176\u4ed6\u52a0\u5bc6\u8d27\u5e01\u5361\u5bf9\u6bd4<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ee5\u4e0b\u5bf9\u6bd4\u57fa\u4e8e\u5404\u4ea7\u54c1\u516c\u5f00\u4fe1\u606f\u53ca\u5e38\u89c1\u4ea7\u54c1\u6a21\u5f0f\u6574\u7406\uff0c\u5177\u4f53\u8d39\u7528\u3001\u989d\u5ea6\u3001\u652f\u6301\u5730\u533a\u548c\u53ef\u7528\u573a\u666f\u53ef\u80fd\u968f\u4ea7\u54c1\u653f\u7b56\u3001\u53d1\u5361\u673a\u6784\u3001\u76d1\u7ba1\u8981\u6c42\u548c\u5546\u6237\u89c4\u5219\u53d8\u5316\uff0c\u7528\u6237\u5e94\u4ee5\u5404\u4ea7\u54c1\u5b98\u65b9\u9875\u9762\u7684\u6700\u65b0\u8bf4\u660e\u4e3a\u51c6\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">\u6307\u6807 \/ \u4ea7\u54c1<\/td><td class=\"has-text-align-left\" data-align=\"left\">BenPay Card<\/td><td class=\"has-text-align-left\" data-align=\"left\">Coinbase Card<\/td><td class=\"has-text-align-left\" data-align=\"left\">Crypto.com Visa<\/td><td class=\"has-text-align-left\" data-align=\"left\">Binance Card<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\u6258\u7ba1\u7c7b\u578b\uff08Custody\uff09<\/td><td class=\"has-text-align-left\" data-align=\"left\">Self-custodial\uff08\u81ea\u6258\u7ba1\uff09<\/td><td class=\"has-text-align-left\" data-align=\"left\">Custodial\uff08\u4ea4\u6613\u6240\u6258\u7ba1\uff09<\/td><td class=\"has-text-align-left\" data-align=\"left\">Custodial\uff08\u5e73\u53f0\u6258\u7ba1\uff09<\/td><td class=\"has-text-align-left\" data-align=\"left\">Custodial\uff08\u4ea4\u6613\u6240\u6258\u7ba1\uff09<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\u591a\u94fe\u652f\u6301<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u5f3a\uff08multi-chain wallet \u76f4\u8fde\uff09<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u6709\uff08\u53d7\u9650\u4e8e\u5e73\u53f0\u652f\u6301\u5e01\u79cd\uff09<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u6709\uff08\u4e3b\u8981\u652f\u6301\u5e73\u53f0\u652f\u6301\u7684\u5e01\u79cd\uff09<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u6709\uff08\u5e73\u53f0\u5e01\u4e0e\u4e3b\u6d41\u5e01\u4f18\u5148\uff09<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\u8d39\u7528 &amp; \u6c47\u7387<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u4f18\u5316\u7ed3\u7b97\u8def\u5f84\u3001\u900f\u660e\uff08\u4f4e\u9690\u6027\u8d39\uff09<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u4ea4\u6613\u540e\u5373\u65f6\u7ed3\u7b97\uff0c\u624b\u7eed\u8d39\/\u5956\u52b1\u7ed3\u6784\u8be6\u89c1\u5e73\u53f0<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u96f6\u5916\u6c47\u8d39\u6863\u4f4d\uff08\u4f46\u6709 staking\/Tier \u8981\u6c42\uff09<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u5b9e\u65f6\u8f6c\u6362\uff0c\u8d39\u7528\u89c6 KYC \/ \u533a\u57df\u800c\u5b9a<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\u5168\u7403\u53ef\u7528\u6027<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u76ee\u6807\u5168\u7403\u53ef\u7528\uff08\u53d7\u5f53\u5730\u53d1\u884c\/\u76d1\u7ba1\u9650\u5236\uff09<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u5e7f\u6cdb\uff0840M+ \u63a5\u53d7\u5546\uff09<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u5e7f\u6cdb\uff08Visa \u7f51\u7edc\uff09<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u5e7f\u6cdb\uff08Visa \u7f51\u7edc\uff09<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\u7ed3\u7b97\u65b9\u5f0f<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u94fe\u4e0a\u7ed3\u7b97 \/ \u5373\u65f6\u6027\uff08\u53ef\u9a8c\u8bc1\uff09<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u5e73\u53f0\u5185\u7ed3\u7b97\u540e\u6cd5\u5e01\u8f6c\u5316<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u5e73\u53f0\u5373\u65f6\u5151\u6362\u4e3a\u6cd5\u5e01\u7ed3\u7b97<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u5b9e\u65f6\u5151\u6362\u4e3a\u6cd5\u5e01\u7ed3\u7b97<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\u9690\u79c1<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u8f83\u9ad8\uff08\u94fe\u4e0a\u4ea4\u6613+\u81ea\u6301\u79c1\u94a5\uff0c\u66b4\u9732\u4fe1\u606f\u8f83\u5c11\uff09<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u8f83\u4f4e\uff08\u4ea4\u6613\u6240 KYC \u4e0e\u6258\u7ba1\uff09<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u8f83\u4f4e\uff08\u6258\u7ba1\u4e0e KYC\uff09<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u8f83\u4f4e\uff08\u6258\u7ba1\u4e0e KYC\uff09<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\u9002\u5408\u7528\u6237\u753b\u50cf<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u504f\u597d\u8d44\u4ea7\u81ea\u6301\u3001\u6ce8\u91cd\u94fe\u4e0a\u900f\u660e\u4e0e\u6536\u76ca\u7684 Web3 \u7528\u6237<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u5e0c\u671b\u7b80\u5355\u3001\u4eab\u53d7\u5956\u52b1\u5e76\u5728\u751f\u6001\u5185\u6d88\u8d39\u7684\u7528\u6237<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u5e0c\u671b\u9ad8\u8fd4\u73b0\/\u5956\u52b1 + \u96f6\u5916\u6c47\u8d39\u7684\u6d88\u8d39\u8005<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u4ea4\u6613\u6240\u751f\u6001\u7528\u6237\u4e0e\u9ad8\u9891\u4ea4\u6613\u8005<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u540c\u52a0\u5bc6\u8d27\u5e01\u5361\u9002\u5408\u7684\u7528\u6237\u5e76\u4e0d\u76f8\u540c\u3002\u5bf9\u7528\u6237\u6765\u8bf4\uff0c\u771f\u6b63\u91cd\u8981\u7684\u662f\u8fd9\u5f20\u5361\u662f\u5426\u5339\u914d\u81ea\u5df1\u7684\u8d44\u4ea7\u6765\u6e90\u3001\u6d88\u8d39\u573a\u666f\u3001\u8d39\u7528\u9884\u671f\u548c\u8d44\u4ea7\u63a7\u5236\u504f\u597d\u3002\u5982\u679c\u4f60\u5e0c\u671b\u4f7f\u7528\u81ea\u6258\u7ba1\u52a0\u5bc6\u5361\u8fde\u63a5\u7a33\u5b9a\u5e01\u8d44\u4ea7\u4e0e\u73b0\u5b9e\u6d88\u8d39\uff0c\u53ef\u4ee5\u4ece BenPay Card \u7684\u7533\u8bf7\u548c\u4f7f\u7528\u6d41\u7a0b\u5f00\u59cb\u4e86\u89e3\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7528\u6237\u5982\u4f55\u7533\u8bf7\u5e76\u5f00\u59cb\u4f7f\u7528 BenPay \u81ea\u6258\u7ba1\u52a0\u5bc6\u5361\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u7528\u6237\u53ef\u4ee5\u901a\u8fc7\u4ee5\u4e0b\u6b65\u9aa4\u5f00\u59cb\u4f7f\u7528 BenPay Card\uff1a<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u4e0b\u8f7d\u5e76\u6253\u5f00 <a href=\"https:\/\/www.benpay.com\/download\">BenPay App<\/a><\/li>\n\n\n\n<li>\u6ce8\u518c\u8d26\u6237\uff0c\u5e76\u6309\u8981\u6c42\u5b8c\u6210\u5fc5\u8981\u7684\u8eab\u4efd\u9a8c\u8bc1\uff1b<\/li>\n\n\n\n<li>\u63d0\u4ea4 BenPay Card \u7533\u8bf7\u5e76\u5b8c\u6210\u6fc0\u6d3b\uff1b<\/li>\n\n\n\n<li>\u5411 BenPay \u591a\u94fe\u94b1\u5305\u5145\u503c USDT\u3001USDC \u6216\u5176\u4ed6\u652f\u6301\u8d44\u4ea7\uff1b<\/li>\n\n\n\n<li>\u5728\u652f\u6301\u7684\u7ebf\u4e0a\u6216\u7ebf\u4e0b\u652f\u4ed8\u573a\u666f\u4e2d\u4f7f\u7528 BenPay Card \u5b8c\u6210\u6d88\u8d39\u3002<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u6b64\u57fa\u7840\u4e0a\uff0cBenPay Card 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