In crypto payments, cashback cards, and staking products often imply a trade-off: funds remain idle, or liquidity is locked in exchange for yield.

⚖️On-chain yield cards are designed to seek a more balanced structure between spending and earning.

Using the BenPay On-Chain Yield Card as an example:
--Funds are not subject to lock-up periods and remain available for spending or withdrawal
--Daily spending does not affect an already activated yield status
--Yield is sourced from on-chain DeFi protocols, rather than platform subsidies or fixed promises
--Yield and risk information are clearly disclosed before activation
--All data is on-chain, verifiable, and traceable
【It should be noted that on-chain yield is neither fixed nor principal-protected, and market volatility and protocol risks remain. BenPay focuses on providing a more efficient way to utilise funds under conditions where risks are perceivable, and information remains transparent.】

For users who wish to maintain asset liquidity while reducing operational complexity on-chain, on-chain yield cards represent a more utility-oriented option.