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【BenPay | Deep Dive】
"On-Chain Yield Cards Explained: What They Are and How ‘Earn While You Spend’ Works"
In traditional crypto payment cards, funds remain idle until spent.On-chain yield cards change this by connecting card balances to on-chain yield strategies — enabling users to earn while spending, without compromising payment liquidity.
Key features:
-Balances stay on-chain, allowing both instant spending and automatic yield accumulation;
-Returns are based on time and balance size, not transaction-based rewards;
-A self-custody model ensures user control, with strategies prioritizing high liquidity and low risk.