I. Mainstream Withdrawal Methods

1. Centralized Exchange (CEX) Withdrawal
   The most common path: Sell coins on platforms like Binance, OKX, Coinbase, 4E → Withdraw to bank card/payment channel.

Advantages: Strong liquidity, fast deposit arrival.

Disadvantages: Settings in some regions, large amounts easily trigger risk controls.

2. OTC/P2P Trading
   Match trades through exchange P2P ads or OTC merchants, counterparty makes direct payment.

Advantages: Flexible, suitable for regions with insufficient fiat channels.

Disadvantages: Need to screen merchants, counterparty risk exists.

Extended scenario: Some users go to Hong Kong or overseas to complete exchanges in cash/bank card form, which is an extension of the P2P/OTC route, following the same essential path.

3. Overseas Account Channel
   Transfer assets to an overseas exchange that supports withdrawals → Sell for fiat currency → Withdraw to an overseas bank card (e.g., Singapore digital bank).

Advantages: High compliance, clear path.

Disadvantages: Requires setting up a cross-border account beforehand, procedures are complex.

Suitable for: Those with large capital needs or cross-border investors.

4. Payment Aggregators & Cross-Border Payment Services
   Aggregation platforms like MoonPay, Ramp, Transak allow users to directly convert to bank card balance or local payment tools.

Advantages: Simple operation, convenient and fast.

Disadvantages: High fee rates, limited quotas.

5. Stablecoin Redemption & Compliant Custody
   Common path for institutions and large funds: Redeem USDT/USDC for USD, or withdraw through licensed custody/compliant VASPs.

Advantages: Transparent fund chain, suitable for large amounts.

Disadvantages: High barrier to entry, requires complete KYC/AML data.

6. Hong Kong Cash Withdrawal
   Regular foreign exchange → Withdraw cash in batches.

Advantages: Direct and convenient.

Disadvantages: Regulatory evasion risk, cash management risk.

Compared to a few years ago, withdrawal paths are now more diverse, reasons include:

• Exchange Localization: CEXs integrating with systems like SEPA, FPS, ACH, making withdrawals as convenient as bank transfers;

• Stablecoin Scale: USDT/USDC becoming globally accepted "bridge currencies," simplifying asset transfer;

• Rise of Payment Aggregators: Completing withdrawals within apps, lowering the barrier to entry;

• Improved Compliance Ecosystem: Licensed VASPs in Hong Kong, Singapore, Europe, etc., making compliant large-volume withdrawals possible.

II. U Cards: The Consumption-Experience Withdrawal Method

Unlike the above methods focused on "receiving funds," the experience of withdrawing via U Cards (crypto payment cards) is closer to everyday payment:

Operation logic: Top up USDT/USDC to U Card platform → Bind Visa/Mastercard → Swipe card/Use ATM → Platform instantly converts to local fiat currency.

Typical scenarios: Cross-border travel, international e-commerce shopping, digital nomad life.

Advantages: Instant payment, optimal consumption experience.

• Instant spending: Bound to Visa/Mastercard networks, instant completion for online shopping and offline POS swipes;

• Pegged to stablecoins: Often linked to USDT/USDC, reducing transfer risk;

• Tiered vertically: Different levels of identity verification correspond to different limits, meeting both small personal needs and supporting cross-border consumption.

Disadvantages: Relatively high fees (traditionally 3-4%), high compliance/tax costs, limited support in some regions.

It can be said that the value of U Cards lies in making withdrawal not just a one-off cash-out cycle, but an anytime, anywhere payment interface.

III. 4E Card: A Distinctive U Card Choice

The 4E Card was officially launched in August 2025, committed to breaking traditional top-up barriers and realizing a new crypto payment model of "spend balance directly, earn and use simultaneously." It is denominated in USD, directly uses the USDT balance in the 4E account, and supports instant payment from current wealth management balances, truly achieving both fund interest generation and payment. Fees as low as 1%, no hidden costs.

Core Feature Highlights

No pre-top up needed, real-time settlement: Automatically deducts from account balance upon spending, no waiting for top-up.

Current wealth management balance payment: Earn interest on idle funds while being ready to pay anytime, maximizing capital efficiency.

Easy application: 1-minute quick online application, simplified KYC process.

Multi-currency auto-exchange: System matches the optimal exchange rate in real-time, reducing exchange loss.

Global usability across multiple scenarios: Supports various consumption scenarios like payments, shopping, travel, entertainment, business.

Global Consumption Coverage Scenarios

Payments & Subscriptions: WeChat Pay, Alipay, Google Pay, PayPal

E-commerce Shopping: Amazon, Taobao, JD.com, Ctrip, eBay, Shopee

Transportation & Travel: Uber, Grab, Gojek, Tada, Bolt, Airbnb, Booking.com, Expedia, Skyscanner

Entertainment Services: Netflix, Spotify, TikTok, YouTube

Business & Tools: AWS, Notion, Zoom

The 4E Card is not just a payment card, but also a gateway to asset management and financial life.

IV. Why Are U Cards Less Popular Now?

U Cards were once the hottest withdrawal tool, but their popularity has declined in recent years, mainly for three reasons:

More Diverse Withdrawal Methods

• Users relied on U Cards in the past, now options like exchange withdrawals, OTC, stablecoin redemption, and aggregated payments are available.

• In some regions, direct withdrawal to a bank card is more efficient than applying for a card.

Changing Regulatory Environment

• Some card issuers exited the market due to regulations;

• Compliant exchanges and payment companies directly provide on/off ramps, diminishing the "exclusivity" of U Cards.

User Habits Formed

Early users pursued "how to spend coins"; now more people see them as investments or reserves, reducing daily spending needs.

V. The Value of U Cards Still Exists

Although the popularity of U Cards has declined, their unique value has not disappeared:

Digital Nomadism & Cross-Border Consumption: For globally mobile users, U Cards remain one of the most convenient payment tools;

Instant Payment Experience: Withdrawing and then paying is not as fast as swiping a card directly;

Ecosystem Gateway: Products like the 4E Card are not just payment tools, but gateways connecting asset management and financial services.

The endpoint of withdrawal is no longer just a bank account, but usable purchasing power in your wallet. In this trend, U Cards have transformed from "necessities" to "experience products," and the 4E Card is a representative of this.

VI. Risk Management

Avoiding Risk Controls: Withdraw in batches, keep accounts active, avoid large transactions at night.

Countermeasures: If frozen, prepare exchange order screenshots, on-chain records, bank statement proof.

Security Principles: Reputable pricing, reputable channels, test with small amounts, protect privacy, diversify risk.

Breaking Through Limits: Utilize family annual foreign exchange quotas, compliant third-party exchange, corporate account settlement.

VII. Regulation & Future

Compliance Trends: US GENIUS Act, EU MiCA, Hong Kong VASP new rules gradually improving.

Payment Infrastructure: Visa, Mastercard actively promoting stablecoin networks.

Retail Giant Participation: Amazon, Walmart exploring their own stablecoins.

In the future, the endpoint of withdrawal will no longer be "receipt of funds," but usable purchasing power in the wallet.

Conclusion

Withdrawal methods are evolving from a "single path" to "coexistence of multiple paths."

The popularity of U Cards has declined, but they still hold unique value in cross-border consumption and instant payment scenarios.

The 4E Card represents the next-generation trend: integration of payment + asset management.

The diversification of crypto withdrawal methods gives users more autonomy; while U Cards extend withdrawal from mere "cashing out" to "spending anytime, anywhere." In the future, as products like the 4E Card gradually improve, we might truly usher in a seamless crypto financial life scene.