Recently, I have been reading about PayFi. In fact, the initial concept of PayFi was to use "tomorrow's earnings to be spent today", which is exactly the opposite direction of credit cards. First, it is similar to "pledging" a portion of assets, then generating profits through POS or DeFi protocols, converting the profits into stablecoins, and then using stablecoins for consumption. This idea is actually similar to the function of an exchange's LaunchPool, such as depositing BNB on the exchange and automatically receiving a monthly profit of around 1.5% from the LaunchPool. This profit will be directly converted into USDT and can be used for payment through a scheme similar to a U-card. This is' zero yuan purchase ', which essentially requires a' pledged 'asset and stable returns. Although it may seem simple, there are still some thresholds, as @ 0xMistedollFifi said, the coordination between the settlement layer and the payment layer. For example, if this is a U-card, the user needs to first deposit BNB into a protocol on the chain. If the protocol is a web3 version, it needs to be exchanged for slisBNB or clisBNB, and then pledged in Binacne's Web3 wallet. The proceeds obtained must be sold through an automated Swap protocol, and the funds obtained from the sale must be matched back to the user's account. It is still a bit difficult to achieve full protocol, and if users need to manually handle it, it is better for them to directly open a USB card and store it. Not to mention the pure T+0 solution, it is still quite difficult to implement in the current PayFi field. It is equivalent to an almost real-time vegetable exchange protocol, and the large funds in the pure U field can barely run around. Don't even think about other token exchanges involved. T+0 is probably not even enough to cover the transaction fees. Lastly, there is security, which goes without saying. This tweet is sponsored by @ ApeXProtocolCN | Dex With Apex