Vietnam shopping, AI subscription recharge, various streaming membership — these seemingly unrelated consumption needs can now be handled with a single virtual card. The reason why U-card has recently become popular is quite straightforward: 0 fees plus real-time exchange rates. This combination is indeed highly attractive for cross-border consumption. Especially when dealing with multi-currency payments, it saves the costs of intermediate steps, and the exchange rate is calculated instantly, much faster than traditional cards. More and more people are beginning to realize that virtual cards are not just a payment tool, but also a way to address the fragmentation of cross-border consumption.