Many people are unclear about the difference between U-cards and foreign exchange. U-cards, whether Hong Kong or USD, do not use up your foreign exchange quota and are unrelated to whether they are linked to Alipay or WeChat. Essentially, they use stablecoins like USDT or other cryptocurrencies as the top-up method. To put it more clearly, these cryptocurrencies are "settled" into foreign exchange before they can be used on the card. U-cards are essentially prepaid foreign exchange cards (savings cards). The top-up process is not regulated by the Bank of China, so there is no $50,000 limit. The same applies to Hong Kong U-cards. Because they bypass Chinese restrictions, large transactions may trigger regulatory inquiries. The main question will be why there is so much foreign exchange. The cardholder can identify it as a foreign exchange card. If the cardholder has overseas status or work authorization, or is involved in foreign trade transactions, there shouldn't be any problems. In general, using a U-card for normal daily life in China, without large payments, is generally fine.

Most domestic U-cards probably won't work.

Use it as usual