Recent developments in the cryptocurrency payment sector have made headlines. A leading exchange has relaunched its debit card program, with this Visa card directly connecting the crypto assets to offline spending — assets like BNB, BTC, in users' wallets can be used at millions of merchants worldwide, with payments automatically converted to fiat currency for settlement.

This may seem like just a payment tool, but it reflects a significant shift in the practicality of cryptocurrencies. Holding BNB for spending can earn up to 8% cash back, a design that gradually transforms crypto assets from mere trading tools into participants in high-frequency payment scenarios. Merchants receive real-time fiat settlement, solving the previous issues of clearing efficiency that troubled payment applications.

Even more interestingly, this relaunch marks a move from transaction-focused to consumption-focused crypto ecosystems. Using BNB to buy coffee, book flights, or shop for daily necessities — these once only imagined scenarios are gradually becoming reality. When digital assets truly settle into offline payment scenarios, their value will inevitably be redefined.

However, it is important to note that the launch of the payment card itself is not the reason for hype; technological iteration and ecosystem development are the true driving forces. Relevant projects within the ecosystem may benefit, but focus should be on long-term technological progress rather than short-term fluctuations. The shift in the payment track has already begun, and the next step depends on whether users are truly prepared to use crypto assets for daily consumption.