Everyone knows that I have been following Payfi.

because I always feel that if virtual currency cannot really be used in "daily life"
Then it will always just be an investment tool, or even a speculation tool.

But if we can use virtual currencies directly for eating, taking public transportation, shopping, and traveling abroad, then that would be true adoption and could lead to these currencies gaining value recognition.

So at a friend's recommendation, I started my hands-on testing.
Directly stake ETH to earn an annualized return (currently around 8%) while applying for a virtual card for daily expenses.

Currently, there is a promotion where you can get a 3% cashback for card transactions until July 31.

The application process is also super simple. It is recommended for Taiwanese users to use their ID for KYC, without the need to submit additional address verification. It can be completed in about 10-20 minutes, and once approved, you can apply for a virtual card.

Currently, it has been used in Taiwan and Malaysia.
Eating, taking Uber, checking out at the supermarket, Foodpanda and LinePay are all fine.

As long as there are places that accept Apple Pay or Google Pay, it can be used. Future overseas plans will also continue to be tested.

You don't need to withdraw funds or convert to fiat currency; the deduction is made directly from your staking pool.
Earning interest while spending is truly having the best of both worlds.

Here is the invitation link.

If you usually have friends who manage finances and use Apple Pay and LinePay, I suggest you can try putting in 100U to see how it goes. If you find it good, consider whether to make it your main spending card or invest more funds for financial management.