📢 Gate Square Exclusive: #WXTM Creative Contest# Is Now Live!
Celebrate CandyDrop Round 59 featuring MinoTari (WXTM) — compete for a 70,000 WXTM prize pool!
🎯 About MinoTari (WXTM)
Tari is a Rust-based blockchain protocol centered around digital assets.
It empowers creators to build new types of digital experiences and narratives.
With Tari, digitally scarce assets—like collectibles or in-game items—unlock new business opportunities for creators.
🎨 Event Period:
Aug 7, 2025, 09:00 – Aug 12, 2025, 16:00 (UTC)
📌 How to Participate:
Post original content on Gate Square related to WXTM or its
In-depth Review: The Innovative Crypto Card Leads a New Trend in on-chain Asset Management
Crypto Card Rising Star: An Innovative Solution for On-Chain Asset Management
Recently, the cryptocurrency industry has seen a surge in the Crypto Card trend. As a leading project in the Ethereum Restaking field, a well-known platform has also launched its own payment card product. After thorough testing, we conducted a comprehensive evaluation from multiple dimensions including cashback, earnings, payment, security, and enterprise applications, and believe that this product holds significant practical value for both individual and corporate users.
Generous Cashback Mechanism
The payment card offers a tiered cashback program. Basic users can receive a 2% cashback, while premium users enjoy a 3% cashback rate. The current promotional campaign further increases the total cashback to 5%, with 3% as instant cashback and an additional 2% distributed in the form of platform tokens.
All instant cashbacks are settled in the native token of a certain public chain and will be credited automatically without needing to reach a spending threshold. Users can also earn an additional 1% cashback reward by inviting others to use the card. It is worth mentioning that this payment card supports mainstream mobile payment systems and can be flexibly used in both online and offline scenarios.
Diversified Yield Functions
A major highlight of this payment card is its seamless integration with the platform's internal treasury system. Users can directly deposit assets within the platform and start earning returns without the need to transfer funds to other platforms.
Currently, the base annualized yields of major assets such as the US dollar, Ethereum, and Bitcoin are approximately 9.8%, 7.2%, and 2.1% respectively. Additionally, there is about 7% in platform token incentives that can be stacked on top of the base yield.
The platform provides detailed information display for each vault, including recent performance, asset allocation, strategy providers, fee structures, and more. Taking a certain Ethereum vault as an example, its assets are diversely deployed across multiple well-known DeFi protocols, and users can check the specific allocation ratios and yield composition at any time.
Flexible Payment Methods
The payment card currently offers two payment options:
Lending Mode: Users can borrow for consumption by pledging specific assets, and the system will automatically complete the borrowing process. During the current promotional period, the borrowing interest rate is 0%, and no additional fees are required.
Pre-storage mode: Users can pre-deposit multiple tokens, and when making a purchase, the system will automatically convert the required amount and complete the payment without triggering a loan.
The card defaults to settlement in US dollars, and foreign currency payments will incur an approximate 0.98% exchange rate conversion fee. Regardless of the payment method chosen, all transaction records and balance changes will be reflected in real-time on the user interface.
on-chain operation ensures security
All operations of this payment card are executed on-chain, including consumption, loans, and cashback, all completed through smart contracts. Users can view transaction details at any time, maintaining complete control over their assets. The only downside is that the account opening process in some regions can be relatively complicated, requiring a considerable amount of identity verification materials.
Suitable for teams and enterprises
This payment card also supports multi-member management, providing different roles such as owner, administrator, and staff. Administrators can set spending limits, manage card status, and view overall spending reports. Ordinary members can only use within specified limits and cannot directly access the main fund pool. This mechanism is particularly suitable for DAOs, remote teams, or companies managing on-chain assets, helping to achieve transparent and controllable spending management.
Conclusion
From cashback rewards and asset appreciation to flexible payments, this payment card provides users with a complete set of on-chain asset utilization tools. It not only allows users to earn token rewards in their daily spending but also enables the investment of idle assets into the treasury to earn returns, and to complete payments flexibly through borrowing or prepayment methods. For teams and enterprise users, its multi-member collaboration feature offers an effective asset management solution. In terms of the storage, use, and management of on-chain assets, this product undoubtedly provides a practical and innovative solution.