uCard Technology - UAEC Dena Trust : 一些交易所、钱包服务商等陆续推出了自己的 U 卡产品，U 卡也成为越来越多 Web3 用户进行跨境支付和日常消费的工具。本文介绍 U 卡的基础知识，并提醒用户不应忽视 U 卡潜藏着的税务和其他风险。
引言
近年来，随着加密货币市场和数字支付技术的快速发展，一些交易所、钱包服务商等陆续推出了自己的 U 卡产品，U 卡也成为越来越多 Web3 用户进行跨境支付和日常消费的工具。与此同时，各类社交媒体平台上关于 U 卡的话题讨论也呈现出爆发式增长，U 卡成为了热议的焦点。有人将其视为解决加密货币 OTC 难题的关键，有人则对其持观望态度，还有人对其充满质疑。 FinTax 将在本文中为您介绍 U 卡的基础知识，并特别提醒您不应忽视 U 卡潜藏着的税务和其他风险。
1. U 卡的概念
1.1 U 卡
U 卡是一种为加密货币投资者提供金融服务的工具。 U 卡的使用方式类似于银行卡，持卡人可以通过 U 卡直接消费或提取现金，不需要预先自行将虚拟币兑换为法币。
U 卡分为实体 U 卡和虚拟 U 卡两大类。实体 U 卡如万事达 U 卡、银联 U 卡等，可接受范围更广且接受度更高。虚拟 U 卡如 Dupay 等则多用于电子商务或者国际支付，更加便捷和灵活，但是无法在 ATM 机进行取现操作。
常见的 U 卡发行模式包括以下几种：
银行直接发行。银行利用自己的支付网络和合规框架，为用户提供稳定的加密货币支付解决方案。
银行与加密货币公司合作发行。此时由银行提供传统的金融基础设施，第三方公司则负责加密货币的管理和转换。
专业加密支付公司独立发行。一些专注于加密货币支付的公司，通过与 Visa 或 MasterCard 等支付网络合作，独立发行 U 卡。
SaaS 模式合作发行。这是指一些第三方支付公司通过 SaaS（软件即服务）模式，为渠道商或其他金融服务提供商提供 U 卡发行平台。
1.2 U 卡的使用机制
U 卡用起来比较方便，这是其得到广泛接受的重要原因之一。我们可以分两步去理解 U 卡的使用机制。
充值：用户充值 USDT 进钱包，再将 USDT 从钱包地址充值进 U 卡地址。这时，U 卡运营商会将 USDT 结算成对应的外币。
提现或消费：用户可以使用 U 卡在全球各地的 ATM 机上提取现金，也可以直接刷 U 卡以支付费用，此时支付的已经是兑换后的法币，而非 USDT。
2. U 卡受欢迎的原因
2.1 保护个人隐私
Web3 用户往往较为注重包括交易隐私在内的个人隐私，希望能够在支付或转账时保持匿名，而 U 卡为用户提供了出色的隐私保护机制。一方面，虚拟 U 卡通常无需实名登记，允许用户匿名购买或充值；另一方面，尽管实体 U 卡可能需要一定程度的 KYC 认证，但相较于通过传统银行进行交易时所需提供的大量个人信息，U 卡仍然在很大程度上减少了个人信息的暴露风险。
2.2 简化支付流程
U 卡通常能够提供实时支付和结算，既避免了传统银行转账可能出现的时间延迟，也不需要在使用前另行将 USDT 兑换为法币，具备较强的便利性。同时，除了传统的 POS 支付外，U 卡还可以通过数字钱包、扫码支付等方式进行支付，兼容各种主流支付渠道，具有较强的灵活性。
2.3 降低跨境支付成本
U 卡的手续费往往显著低于传统支付渠道，这点在跨境支付方面尤为明显。下文比较了多种支付方式的跨境手续费： DenaTrust.com uCard
Business Plan for:
Digital Asset Trust Custody, RWA Tokenization, and Next-Generation Payment Solutions
Date: October 26, 2025 HKBA.cc Com2000.org Web3 Accelerator
Prepared by: Rainbow Partners & WoniPay Joint Venture Management
1. Executive Summary
This Joint Venture between Rainbow Partners (a Hong Kong TCSP licensee) and WoniPay.com (a global digital asset exchange and payment processor) is positioned to become a core infrastructure provider for the global digital finance ecosystem. We leverage Rainbow Partners' Hong Kong TCSP trust license to provide an institutional-grade foundation of security and compliance, and utilize WoniPay's technological platform to build a diverse portfolio of products and services. Our business encompasses three core pillars: 1) Trust and Custody for Digital Assets and RWA; 2) Cross-border E-commerce Fiat and Digital Payment Processing; and 3) Innovative Payment Products for individuals and merchants, including crypto wallet custody, stablecoin uCard, and credit card payment services. Our mission is to provide institutional clients, merchants, and individual users with a seamless, trusted, one-stop platform that bridges traditional finance and the digital asset world.
2. Company Description
Joint Venture Name: Rainbow Partners & WoniPay Digital Trust & Custody JV
Mission: To be the leading trusted partner for secure, compliant, and innovative digital financial services, enabling seamless movement and utility of value between traditional and blockchain-based systems.
Legal Structure: Joint Venture established via a Memorandum of Understanding (MOU), operating under the regulatory umbrella of Rainbow Partners' HK TCSP license.
Key Differentiator: The unique integration of a regulated Hong Kong TCSP trust structure with a globally connected digital asset exchange and multi-asset payment rail.
3. Market Analysis
Industry Overview: The convergence of traditional finance, digital assets, and payments is creating a massive opportunity. Demand is surging for platforms that offer not just custody or trading, but integrated financial services that allow for both the secure holding and practical use of digital assets.
Target Market:
Institutional Clients: Asset originators, funds, VASPs.
E-commerce Merchants: Businesses engaged in cross-border trade.
Digital Asset Holders: Crypto-native users, high-net-worth individuals, freelancers, and travelers seeking to use their assets for payments.
Regulatory Advantage: Operating with a Hong Kong TCSP license provides a significant trust and compliance advantage in all service areas, from custody to payment settlement.
4. Organization & Management
Rainbow Partners (TCSP Holder):
Role: Provides the regulated trust and corporate service framework. Responsible for legal custody, asset segregation, and acting as the trusted fiduciary for all custodial services, including wallet and payment settlement funds.
Key Asset: Hong Kong TCSP License.
WoniPay (Exchange & Payment Platform):
Role: Provides the technological platform for trading, tokenization, and payment processing. Manages the payment gateway, liquidity, card program (uCard), and merchant integrations.
Key Assets: Multi-jurisdictional licensing; proven exchange and payment technology.
5. Services & Products
A. Core Custody & Tokenization Services:
RWA Tokenization Advisory & Structuring
Digital Asset Trust & Custody Services
Asset Servicing & Administration
Regulatory Compliance Gateway
B. Payment Processing Services:
5. Cross-Border E-commerce Payment Processing: Multi-currency fiat acquisition and settlement for global merchants.
6. Digital Asset Payment Processing: Acceptance of cryptocurrencies for merchants, with instant conversion to fiat.
C. Integrated Solutions & Next-Gen Payment Products:
7. Crypto Wallet Trust & Custody Services:
* Provision of institutional-grade, TCSP-backed custody solutions for digital wallets.
* Utilizes multi-signature schemes and cold storage, with Rainbow Partners serving as a regulated co-custodian or key manager, mitigating private key risk.
* Provides legally recognized "fiduciary custody," facilitating insurance, auditing, and inheritance.
Stablecoin uCard & Credit Card Services:
Launch of a branded uCard (physical and virtual) linked to major stablecoins (USDT, USDC).
Core Functionality: Users can spend their custodied or self-hosted USDT/USDC seamlessly at tens of millions of Visa/Mastercard merchants worldwide. The system performs real-time conversion from crypto to local fiat at the point of sale.
Value Proposition: Bridges the gap between digital asset ownership and real-world utility, offering a borderless, instant, and convenient payment experience.
This service is fully integrated with WoniPay's payment network and the JV's custodial infrastructure.
6. Marketing & Sales Strategy
Thought Leadership: Utilize the HKBA platform to establish authority in digital finance.
Partnership-Driven Sales: Target law firms, accounting firms, e-commerce platforms, and Web3 projects.
Direct-to-Consumer Marketing: Digital campaigns targeting crypto holders, frequent travelers, and the Web3 community to drive uCard adoption.
Strategic Alliances: Partner with card networks, banks, and payment processors to expand the uCard ecosystem.
7. Financial Projections
Revenue Streams:
Setup & Structuring Fees
Annual Trust & Custody Fees (AUM-based)
Transaction Fees (trading & payment processing)
Payment Processing Fees & FX Spreads
Card Issuance and Interchange Fees
Pioneering the Extension of TCSP Trust Protection to Crypto Wallets and Everyday Spending; Enabling Global USDT/USDC Payments via uCard
HONG KONG – [Date] – Rainbow Partners, a licensed Hong Kong Trust or Company Service Provider (TCSP), and WoniPay.com, a global digital asset exchange and payment processor, today announced a major expansion of their strategic joint venture to include TCSP-backed crypto wallet custody services and an innovative stablecoin payment card, the "uCard." This move signifies the platform's evolution from serving B2B institutions and merchants to providing end-to-end asset security and payment solutions for global digital asset holders.
The joint venture now offers a complete digital finance ecosystem: users can securely store digital assets like BTC, ETH, or stablecoins in a trusted custody wallet backed by Rainbow Partners' TCSP license, ensuring institutional-grade safety. When ready to spend, users can utilize the uCard to seamlessly use their custodied USDT or USDC at any of the tens of millions of merchants that accept Visa or Mastercard worldwide, enabling instant conversion from "secure storage" to "instant consumption."
"We believe true digital finance adoption must solve two core problems: 'security' and 'usability'," stated a spokesperson for Rainbow Partners. "We are extending the same level of trust protection we offer for billion-dollar institutional RWA assets to the digital assets held by individuals. Whether it's a valuable investment portfolio or stablecoins for daily spending, they deserve the same legal assurance and segregation. Our crypto wallet custody service embodies this principle."
"The launch of the uCard is a pivotal step in bringing digital currencies into mainstream life," said Mr. Wen Ping, Founder of WoniPay and Beijing Co-President of the Hong Kong Blockchain Association. "It's more than just a card; it's a bridge connecting the blockchain world with the global economy. Users no longer need to go through complex exchange and withdrawal processes to spend their USDT and USDC. This is powered by our robust payment network, deep technical integration, and most critically—the foundational layer of trust provided by Rainbow Partners."
This innovative suite of services leverages Hong Kong's progressive policy environment for virtual assets, demonstrating the vast potential for fintech innovation within a strict regulatory framework.
About Rainbow Partners:
Rainbow Partners is a licensed Trust or Company Service Provider (TCSP) in Hong Kong, specializing in providing compliant corporate and trust structures. Its services are essential for virtual asset service providers (VASPs), RWA projects, and individual investors requiring institutional-grade, legally-recognized custody and asset segregation under Hong Kong law. Learn more at RainbowPartners.cc
About WoniPay.com:
WoniPay is a global digital asset exchange and e-commerce payment processing partner, operating with a multi-jurisdictional licensing strategy encompassing Singapore, Hong Kong, and the United States. The company focuses on the compliant tokenization of real-world assets (RWA) and provides innovative fiat and digital asset payment solutions for global merchants and individuals, including the upcoming uCard. Learn more at WoniPay.com
首创将 Trust TCSP信托保障延伸至加密钱包与日常支付，用户现可通过 uCard在全球轻松使用USDT/USDC消费
HONG KONG – [Date] – 持牌香港信托或公司服务提供者Rainbow Partners与全球数字资产交易所及支付处理商WoniPay.com今日宣布，其战略合资企业的业务范围实现重大扩展，将推出由信托保障的加密钱包托管服务及创新的稳定币uCard支付卡。这一举措标志着平台从服务B端机构与商户，正式迈向为全球数字资产个人持有者提供端到端的资产安全与支付消费服务。
该合资企业现已构建了一个完整的数字金融生态闭环：用户可以将数字资产（如BTC, ETH）或稳定币存入由 Rainbow Partners的TCSP牌照提供法律保障的信托托管钱包中，获得机构级的安全。当需要进行支付时，用户可直接使用与其托管账户关联的uCard，在全球任何接受信用卡的场所消费其托管的USDT或USDC，实现从“安全储藏”到“即时消费”的无缝转换。
"我们认为，真正的数字金融普及，必须解决‘安全’和‘可用性’两大核心问题，"Rainbow Partners 的发言人表示。"我们将信托保护从十亿级别的机构RWA资产，延伸到个人持有的数字资产上。无论是价值连城的投资组合，还是用于日常消费的稳定币，它们都值得同等级别的法律保障和隔离保护。我们的加密钱包托管服务正是这一理念的体现。"
"uCard的推出是我们将数字货币带入主流生活的关键一步，"WoniPay 创始人及香港区块链协会北京联席会长温平先生表示。"它不仅仅是一张卡，而是连接区块链世界与全球实体商业的桥梁。用户不再需要经历复杂的兑换和提现流程，即可直接使用USDT和USDC进行消费。这背后是我们强大的支付清算网络、深厚的技术整合能力，以及最关键的——由Rainbow Partners所提供的、让用户放心的信托基石。"
这项创新服务充分利用了香港支持虚拟资产发展的政策环境，展示了在严格合规框架下进行金融科技创新的巨大潜力。
关于 Rainbow Partners:
Rainbow Partners 是香港持牌的信托或公司服务提供者 Trust & Company Service Provider TCSP License ，专注于提供合规的公司及信托结构服务。其服务对于需要符合香港法律机构级托管和资产隔离的虚拟资产服务提供商、RWA项目及个人投资者至关重要。了解更多请访问 RainbowPartners.cc
关于 WoniPay.com:
WoniPay 是一家全球数字资产交易所及电子商务支付处理合作伙伴，业务运营涵盖新加坡、香港和美国的跨司法管辖区牌照战略。公司专注于现实世界资产的合规通证化，并为全球商户与个人提供创新的法币与数字资产支付处理解决方案，包括即将推出的uCard服务。了解更多请访问 WoniPay.com
ASEAN Block Business Partners & Investment Partners
