In the foreseeable future, the competition for U-cards will become increasingly fierce, and even become a default mode. When Visa and Mastercard go online on their own networks, they can basically bypass banks and recharge (cross chain) directly to their networks, and then they can spend directly. Of course, they won't use any of the current public chains. Do you think he made his own server room chain? Aren't you using a data center chain? Which one is not a data center chain?