2026-01-02 08:20:37

Different tracks indeed show significant differentiation in retail investors' profit potential. Currently, there are two paths worth paying attention to:

**RWA Tokenization Path**: The core appeal lies in significantly lowering the on-chain US stock trading threshold. Retail investors no longer need to bother with the hassle of opening a Hong Kong card; they can directly trade US stock assets on-chain. This is a tangible convenience for small retail investors.

**Stablecoins and Payment Track**: The demand has always been there. Products like U Card are quite attractive to retail groups. As long as the exchange rate is favorable and transaction fees are reasonable, user acceptance is high. Moreover, the use cases are becoming more diverse—opening X memberships, subscribing to Apple services, recharging ChatGPT Pro, and more. As payment infrastructure improves, this direction has the potential to unlock greater retail demand.

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GasDevourer

· 4h ago

The RWA sector indeed has great potential, but to be honest, opening a Hong Kong card isn't that complicated now. The key is whether the on-chain US stock trading liquidity is sufficient. U-card is more reliable; I use it just to top up ChatGPT, saving a lot of intermediate steps. The improvement of payment infrastructure still needs to wait; don't be so impatient.

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TeaTimeTrader

· 6h ago

Forget it, even if the threshold for RWA US stocks is lower, it still depends on approval. The truly profitable players in the payment sector have already been cornered by big investors.

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Ser_APY_2000

· 6h ago

Oh no, RWA really has some potential, saving the hassle of those broken港卡... I believe in the stablecoin payment track, U card has so many uses, just worried that the fees will start to gouge again. Trading US stocks on the RWA chain? Sounds good, but I'm just afraid liquidity can't keep up. The payment track seems to be the easiest way for retail investors to make money, low threshold and simple operation, but the market competition is quite fierce. Stablecoin payments are truly a necessity, saving a bunch of bank fees, feels great. Can RWA go viral this time? Seems like it's being overhyped a bit... There are real opportunities in the payment sector, but it all depends on who has more conscience first—fees or exchange rates.

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LiquidationWatcher

· 6h ago

Sounds good, but can RWA really make money for retail investors? Or is it just another new way to cut leeks? The payment track is more reliable. Using U cards to access ChatGPT is indeed cool, but you need to find platforms that don't scam. Is it true? This time, it won't be just hype again, right? I’m optimistic about stablecoin payments, but the competition is fierce. Who can survive until the end is still uncertain. RWA direct link to US stocks? Sounds pretty vague... How about actual operations? Is there enough liquidity? The payment sector has potential, but it depends on who can create the smoothest user experience. Retail investors, don’t be fooled. There is indeed demand for stablecoin payments, but is the barrier really that low? I think the payment track is okay, but U card providers are all competing on price. How much profit margin is left? RWA has been talked about for so long without exploding. Why is it being hyped again now? Honestly, the demand for payments is always there, it just depends on who can build solid infrastructure.

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AirdropHarvester

· 6h ago

Really? Can RWA so easily get retail investors on board with US stocks? I feel like there are still many pitfalls...

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HashBrownies

· 6h ago

Then RWA depends on how the subsequent liquidity turns out; otherwise, it's just a gimmick.

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