Recently, major developments have emerged in the crypto payment sector. A leading exchange has relaunched its debit card program, which directly connects crypto assets with offline spending—users can use assets like BNB, BTC, and others from their wallets to pay 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 instruments into participants in high-frequency payment scenarios. Merchants receive real-time fiat settlement, solving previous issues related to clearing efficiency in payment applications.

More interestingly, this relaunch marks a transition in the crypto ecosystem from trading to consumption. 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’s important to note that the launch of the payment card itself is not just hype; technological iteration and ecosystem development are the true driving forces. Related 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 spending.