A well written tweet, but I am not certain about the comparison results. After all, I have never personally used any U-card or PayFi product, but this does not hinder my research and understanding of PayFi. I strongly believe that PayFi may be a landing application comparable to a wallet, so what is more important is the application scenarios and how to make efforts in the Pay and DeFi fields. Currently, most U-cards are concentrated in the Pay field, and the field of "Pay now, but never actually pay" still needs to be developed. OKX PAY may indeed be a behemoth, with the potential to accelerate its efforts. It is indeed a top player in the industry in terms of manpower and resource investment. If OKX is truly committed to doing well, there is still a great chance of success, but the space and user habits in this field may still need to be adjusted. I look forward to both products having outstanding performance. Competition leads to greater profits for users, which has been an unchanging truth since ancient times.