{"id":975,"date":"2026-01-09T18:01:15","date_gmt":"2026-01-09T10:01:15","guid":{"rendered":"https:\/\/www.benpay.com\/blog\/?p=975"},"modified":"2026-01-09T18:01:16","modified_gmt":"2026-01-09T10:01:16","slug":"traditional-crypto-cards-vs-on-chain-yield-cards","status":"publish","type":"post","link":"https:\/\/www.benpay.com\/blog\/index.php\/zh\/traditional-crypto-cards-vs-on-chain-yield-cards\/","title":{"rendered":"\u4f20\u7edf\u52a0\u5bc6\u5361 vs 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5,000 USDT 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Card\uff09\uff1f<\/h3>\n\n\n\n<p>\u800c\u65b0\u5174\u7684\u94fe\u4e0a\u751f\u606f\u5361\uff0c\u4ee3\u8868\u7684\u5219\u662f\u4e00\u79cd\u201c\u6548\u7387\u201d\u601d\u7ef4\u3002\u5b83\u4e0d\u518d\u7518\u5fc3\u53ea\u505a\u4e00\u4e2a\u88ab\u52a8\u7684\u8fc7\u8def\u901a\u9053\uff0c\u800c\u662f\u81f4\u529b\u4e8e\u6210\u4e3a\u4f60\u4e2a\u4eba\u8d44\u4ea7\u7684\u201c\u667a\u80fd\u6548\u7387\u5f15\u64ce\u201d\u3002\u5b83\u7684\u6838\u5fc3\u521b\u65b0\u5728\u4e8e\uff0c\u5229\u7528\u533a\u5757\u94fe\u7684\u667a\u80fd\u7279\u6027\u548c\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d\uff08DeFi\uff09\u7684\u7075\u6d3b\u7ec4\u5408\uff0c\u91cd\u65b0\u5b9a\u4e49\u4e86\u652f\u4ed8\u8d26\u6237\u3002\u73b0\u5728\uff0c\u4f60\u7684\u652f\u4ed8\u8d26\u6237\u540c\u65f6\u4e5f\u662f\u4e00\u4e2a\u81ea\u52a8\u5316\u7684\u3001\u80fd\u521b\u9020\u6536\u76ca\u7684\u201c\u8d44\u4ea7\u589e\u503c\u5de5\u5177\u201d\uff0c\u8ba9\u94b1\u5728\u7b49\u5f85\u652f\u4ed8\u65f6\u4e5f\u80fd\u6301\u7eed\u5de5\u4f5c\u3001\u4ea7\u751f\u56de\u62a5\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u94fe\u4e0a\u751f\u606f\u5361\u5982\u4f55\u4ea7\u751f\u6536\u76ca\uff1f<\/h3>\n\n\n\n<p>\u94fe\u4e0a\u751f\u606f\u5361\u4ea7\u751f\u6536\u76ca\u7684\u6838\u5fc3\u539f\u7406\uff0c\u53ef\u4ee5\u6982\u62ec\u4e3a\uff1a<strong>\u5728\u7528\u6237<\/strong><strong>\u4e3b\u52a8\u5f00\u542f\u8d5a\u5e01\u529f\u80fd\u540e\uff0c\u7cfb\u7edf\u4f1a<\/strong><strong>\u5c06<\/strong><strong>\u5361<\/strong><strong>\u8d26\u6237<\/strong><strong>\u4f59\u989d\u6295\u5165\u7ecf\u8fc7\u7b5b\u9009\u548c\u4f18\u5316\u7684\u94fe\u4e0aDeFi\u534f\u8bae\u4e2d\u8d5a\u53d6\u6536\u76ca\uff0c\u5b9e\u73b0\u201c\u8fb9<\/strong><strong>\u82b1<\/strong><strong>\u8fb9\u8d5a\uff0c\u8fb9\u8d5a\u8fb9\u82b1\u201d<\/strong>\u3002\u94fe\u4e0a\u751f\u606f\u5361\u7684\u6536\u76ca\u5efa\u7acb\u5728\u7528\u6237\u4e3b\u52a8\u5f00\u542f\u8d5a\u5e01\u529f\u80fd\u7684\u57fa\u7840\u4e4b\u4e0a\u3002<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u7528\u6237\u6388\u6743\u5f00\u542f\u8d5a\u5e01<\/li>\n<\/ol>\n\n\n\n<p>\u7528\u6237\u5c06\u8d44\u91d1\u5212\u62e8\u81f3\u5361\u8d26\u6237\u4f59\u989d\uff0c\u5e76\u624b\u52a8\u5f00\u542f\u8d5a\u5e01\u529f\u80fd\u3002<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>\u667a\u80fd\u5408\u7ea6\u6267\u884c\u751f\u606f<\/li>\n<\/ol>\n\n\n\n<p>\u5728\u7528\u6237\u6388\u6743\u540e\uff0c\u7cfb\u7edf\u4f1a\u901a\u8fc7\u667a\u80fd\u5408\u7ea6\uff0c\u5c06\u5361\u8d26\u6237\u4f59\u989d\u6309\u9884\u8bbe\u7b56\u7565\u53c2\u4e0e\u94fe\u4e0a\u6536\u76ca\u534f\u8bae\uff0c\u6574\u4e2a\u6267\u884c\u8fc7\u7a0b\u81ea\u52a8\u5316\u3001\u53ef\u5ba1\u8ba1\u3002<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>\u652f\u4ed8\u4e0e\u6536\u76ca\u5e76\u884c<\/li>\n<\/ol>\n\n\n\n<p>\u5f53\u53d1\u751f\u6d88\u8d39\u65f6\uff0c\u5c06\u8d44\u91d1\u5212\u8f6c\u5230\u5361\u4f59\u989d\u8d26\u6237\u7528\u4e8e\u652f\u4ed8\uff0c\u672a\u88ab\u4f7f\u7528\u7684\u5361\u8d26\u6237\u4f59\u989d\u7ee7\u7eed\u53c2\u4e0e\u751f\u606f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u94fe\u4e0a\u751f\u606f\u5361\u662f\u5426\u7b49\u540c\u4e8e DeFi \uff1f<\/h3>\n\n\n\n<p>\u94fe\u4e0a\u751f\u606f\u5361\u4e0d\u7b49\u540c\u4e8eDeFi\uff0c\u4f46\u5b83\u662f\u4ee5 DeFi \u4f5c\u4e3a\u6838\u5fc3\u201c\u53d1\u52a8\u673a\u201d\u6784\u5efa\u7684\u91d1\u878d\u79d1\u6280\u4ea7\u54c1\u3002\u4e24\u8005\u7684\u5173\u7cfb\u53ef\u4ee5\u6bd4\u55bb\u4e3a \u201c\u6c7d\u8f66\u4e0e\u53d1\u52a8\u673a\u201d\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DeFi \u5c31\u50cf\u662f\u9ad8\u6027\u80fd\u7684\u53d1\u52a8\u673a\u548c\u4f20\u52a8\u7cfb\u7edf\uff0c\u5b83\u63d0\u4f9b\u4e86\u4e00\u7cfb\u5217\u53ef\u7ec4\u5408\u7684\u534f\u8bae\uff08\u5982\u501f\u8d37\u3001\u8d28\u62bc\u7b49\uff09\uff0c\u80fd\u8ba9\u6570\u5b57\u8d44\u4ea7\u81ea\u52a8\u4ea7\u751f\u6536\u76ca\u3002<\/li>\n\n\n\n<li>\u94fe\u4e0a\u751f\u606f\u5361\u5219\u662f\u4e00\u8f86\u5b8c\u6574\u7684\u667a\u80fd\u6c7d\u8f66\u3002\u5b83\u4e0d\u4ec5\u5185\u7f6e\u4e86 DeFi \u8fd9\u53f0\u53d1\u52a8\u673a\uff0c\u8fd8\u6574\u5408\u4e86\u652f\u4ed8\u901a\u9053\u3001\u5408\u89c4\u7cfb\u7edf\u3001\u7528\u6237\u754c\u9762\u7b49\uff0c\u5176\u6700\u7ec8\u76ee\u7684\u662f\u63d0\u4f9b\u5b89\u5168\u3001\u4fbf\u6377\u7684\u65e5\u5e38\u6d88\u8d39\u4f53\u9a8c\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u7b80\u800c\u8a00\u4e4b\uff0cDeFi \u662f\u5e95\u5c42\u6280\u672f\u80fd\u529b\uff0c\u800c\u94fe\u4e0a\u751f\u606f\u5361\u662f\u5c01\u88c5\u4e86\u8fd9\u9879\u80fd\u529b\u3001\u9762\u5411\u65e5\u5e38\u4f7f\u7528\u7684\u6d88\u8d39\u7ea7\u4ea7\u54c1\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u94fe\u4e0a\u751f\u606f\u5361 vs \u4f20\u7edf\u52a0\u5bc6\u5361\uff1a\u5173\u952e\u7ef4\u5ea6\u5bf9\u6bd4<\/h2>\n\n\n\n<p>\u4e3a\u4e86\u66f4\u6e05\u6670\u5730\u5c55\u793a\u4e24\u8005\u7684\u5dee\u5f02\uff0c\u6211\u4eec\u53ef\u4ee5\u4ece\u6536\u76ca\u3001\u5b89\u5168\u4e0e\u65e5\u5e38\u4f53\u9a8c\u4e09\u4e2a\u6838\u5fc3\u7ef4\u5ea6\u8fdb\u884c\u76f4\u63a5\u5bf9\u6bd4\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u5bf9\u6bd4\u7ef4\u5ea6<\/td><td>\u4f20\u7edf\u52a0\u5bc6\u652f\u4ed8\u5361<\/td><td>\u94fe\u4e0a\u751f\u606f\u5361<\/td><\/tr><tr><td><strong>\u8d44\u4ea7\u6536\u76ca<\/strong><\/td><td><strong>\u901a\u5e38\u4e3a\u96f6<\/strong>\u3002\u8d44\u91d1\u5728\u7b49\u5f85\u6d88\u8d39\u671f\u95f4\u5904\u4e8e\u95f2\u7f6e\u72b6\u6001\u3002<\/td><td><strong>3%-5%\u6216\u4ee5\u4e0a\u7684\u5e74\u5316\u6536\u76ca<\/strong>\uff08\u6536\u76ca\u6765\u6e90\u4e8e\u94fe\u4e0a\u7b56\u7565\uff0c\u4f46\u4e0d\u6784\u6210\u672a\u6765\u6536\u76ca\u627f\u8bfa\uff0c\u5b9e\u9645\u56de\u62a5\u53ef\u80fd\u4f1a\u6709\u6240\u4e0d\u540c\uff09<\/td><\/tr><tr><td><strong>\u8d44\u91d1\u5b89\u5168\u6a21\u578b<\/strong><\/td><td><strong>\u4e2d\u5fc3\u5316\u6258\u7ba1<\/strong>\u3002\u7528\u6237\u8d44\u4ea7\u5b58\u50a8\u5728\u5e73\u53f0\u7684\u6258\u7ba1\u94b1\u5305\u4e2d\uff0c\u4f9d\u8d56\u5e73\u53f0\u81ea\u8eab\u7684\u4fe1\u8a89\u4e0e\u5b89\u5168\u63aa\u65bd\u3002<\/td><td><strong>\u6df7\u5408\u6216\u975e\u6258\u7ba1\u6a21\u578b<\/strong>\u3002\u4e3b\u6d41\u6a21\u5f0f\u662f\u91c7\u7528\u667a\u80fd\u5408\u7ea6\u6258\u7ba1\u6216\u7528\u6237\u81ea\u6301\u79c1\u94a5\uff08\u901a\u8fc7\u793e\u4ea4\u6062\u590d\u7b49\u7b80\u5316\uff09\uff0c\u5e73\u53f0\u65e0\u6cd5\u5355\u65b9\u9762\u632a\u7528\u8d44\u4ea7\u3002<\/td><\/tr><tr><td><strong>\u652f\u4ed8\u4e0e\u8d44\u91d1\u6548\u7387<\/strong><\/td><td><strong>\u7ebf\u6027\u3001\u5272\u88c2<\/strong>\u3002\u652f\u4ed8\u610f\u5473\u7740\u8d44\u4ea7\u88ab\u5356\u51fa\u5e76\u6d88\u8017\u3002\u82e5\u8981\u589e\u503c\uff0c\u9700\u624b\u52a8\u8f6c\u79fb\u8d44\u91d1\u3002<\/td><td><strong>\u5e76\u884c\u3001\u4e00\u4f53\u5316<\/strong>\u3002\u652f\u4ed8\u65f6\u4ec5\u8d4e\u56de\u6d88\u8d39\u6240\u9700\u90e8\u5206\uff0c\u5269\u4f59\u4f59\u989d\u6301\u7eed\u751f\u606f\u3002\u6d88\u8d39\u4e0e\u589e\u503c\u5728\u540c\u4e00\u754c\u9762\u65e0\u7f1d\u540c\u6b65\u3002<\/td><\/tr><tr><td><strong>\u6210\u672c\u7ed3\u6784<\/strong><\/td><td>\u9690\u6027\u6210\u672c\u9ad8\uff08\u6c47\u7387\u4ef7\u5dee\uff09\uff0c\u53ef\u80fd\u6536\u53d6\u5e74\u8d39\u3001\u4ea4\u6613\u624b\u7eed\u8d39\u3002<\/td><td>\u6210\u672c\u66f4\u900f\u660e\uff0c\u4e3b\u8981\u6210\u672c\u662f\u94fe\u4e0a\u4ea4\u6613Gas\u8d39\uff08\u90e8\u5206\u5e73\u53f0\u8865\u8d34\uff09\uff0c\u6536\u76ca\u53ef\u90e8\u5206\u6216\u5b8c\u5168\u8986\u76d6\u6210\u672c\u3002<\/td><\/tr><tr><td><strong>\u4e3b\u8981\u98ce\u9669<\/strong><\/td><td>\u5e73\u53f0\u4e2d\u5fc3\u5316\u98ce\u9669\uff08\u5982\u7834\u4ea7\u3001\u8dd1\u8def\uff09\u3001\u76d1\u7ba1\u51bb\u7ed3\u98ce\u9669\u3002<\/td><td>\u667a\u80fd\u5408\u7ea6\u6f0f\u6d1e\u98ce\u9669\u3001\u5e95\u5c42DeFi\u534f\u8bae\u98ce\u9669\u3001\u6536\u76ca\u7387\u6ce2\u52a8\u98ce\u9669\u3002<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u4f20\u7edf\u52a0\u5bc6\u5361\u89e3\u51b3\u7684\u662f\u201c\u600e\u4e48\u628a\u5e01\u82b1\u6389\u201d\uff0c\u94fe\u4e0a\u751f\u606f\u5361\u89e3\u51b3\u7684\u662f\u201c\u5728\u4f60\u8fd8\u6ca1\u82b1\u4e4b\u524d\uff0c\u8fd9\u7b14\u94b1\u6709\u6ca1\u6709\u5728\u5077\u61d2\u201d\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7528\u94fe\u4e0a\u751f\u606f\u5361\uff0c\u771f\u7684\u4f1a\u66f4\u590d\u6742\u5417\uff1f<\/h2>\n\n\n\n<p>\u5f88\u591a\u7528\u6237\u5728\u7b2c\u4e00\u6b21\u63a5\u89e6\u94fe\u4e0a\u751f\u606f\u5361\u65f6\uff0c\u6700\u5173\u5fc3\u7684\u5e76\u4e0d\u662f\u6536\u76ca\uff0c\u800c\u662f\u4e09\u4e2a\u975e\u5e38\u73b0\u5b9e\u7684\u95ee\u9898\u3002<\/p>\n\n\n\n<p><strong>\u7b2c\u4e00\uff0c\u6211\u662f\u4e0d\u662f\u8981\u5929\u5929\u64cd\u4f5c\uff1f<\/strong> \u4e0d\u9700\u8981\u3002\u7528\u6237\u53ea\u9700\u5728\u8d44\u91d1\u8fdb\u5165\u5361\u8d26\u6237\u4f59\u989d\u540e\uff0c<strong>\u624b\u52a8\u5f00\u542f\u4e00\u6b21\u201c\u8d5a\u5e01\u201d\u529f\u80fd<\/strong>\u3002\u6b64\u540e\uff0c\u65e0\u8bba\u662f\u751f\u606f\u8fd8\u662f\u652f\u4ed8\uff0c\u90fd\u5728\u540e\u53f0\u81ea\u52a8\u5b8c\u6210\uff0c\u65e5\u5e38\u4f7f\u7528\u65b9\u5f0f\u4e0e\u666e\u901a\u52a0\u5bc6\u5361\u5e76\u65e0\u5dee\u522b\u3002<\/p>\n\n\n\n<p><strong>\u7b2c\u4e8c\uff0c\u5982\u679c\u6211\u4e0d\u60f3\u8d5a\u4e86\uff0c\u80fd\u4e0d\u80fd\u968f\u65f6\u505c\uff1f<\/strong> 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