ইনফিনির ইউ-কার্ড বন্ধ

U-কার্ডের বন্ধ:একটি সমজদার

আমি খুলেইবলছি: Infini-এর U-কার্ডের बन्द होना असफलता छিল नা।এটি‍‍‍‍‍‍‍‍ intellectual honesty -সততা।আমি crypto-native fintechs-এ risk models‌‌‌‌ ‌build‌ ‌করছি। Christine ‌ও ‌ego ‌অথবা ‌nostalgia ‌চলতে ‌দড়ায় ‌data.

প্ৰচণ্‌ড​গ্‌ধ​​​​​​​ণ­­­­­­­­tion:‎no fanfare, just clarity.‎

Kyc/Kyt/Card Fee:অসহনীয়

প্ৱ্⁠চ ⁠U-card-ta USDT top-up kore jabe—tini invisible cost book a hit hoi:

1. KYT (Know Your Transaction): Cobo’s engine diye har transaction check korte hoy—per transaction.
2. KYC: Sumsub per verification charge kore—even failed.
3. Card infrastructure fee: Visa/Mastercard charity na; monthly API fee + 1–1.5% FX conversion.

Infini zero margin er jonno sab gulo charge absorb kore—user ke extra charge korbe na!

Crypto Payment Earning?শুধু ‘উপদেশ’

Christine said: “We weren’t making money — we were burning cash.”

U-cards digital wallet like bradning thakle bhalo lagbe—but operationally? Exchange jemon running with ²⁴⁄₇ support and compliance team.

But exchange trading fees or custody service se income ashe—U-card ekta sustainable revenue path nai.

Idealism vs economics—startups fail jodi idealism chai.

Big Players vs Startups:Kono Taka?

Coinbase & Bybit card chalaye karon ta retention tool—he BTC reward user platform e rakhbe newsletter er moto.

But Infini? No massive trading volume. No ecosystem leverage. Just pure card ops with zero income elasticity. The imbalance was unsustainable long before regulators knocked at the door.

Decentralized Future?

The real reason wasn’t just cost—it was alignment with core values.* The vision is clear: pay with stablecoins directly—no bank bridge needed, nobody middleman, speed >5 seconds, cost = gas fee only, censorship resistance baked in. The “iPhone moment” for crypto payments isn’t when you swipe your card at Starbucks—it’s when you simply send USDC to pay your rent or coffee bill without converting anything first.* The mission remains unchanged: make crypto usable in real life, but without surrendering its principles.* The fact that they chose transparency after losing $1 million in theft last year? That kind of integrity is rare—and priceless.* They paid users back personally,*with company funds,because reputation is everything in Web3. It’s not just about surviving—it’s about building trust that lasts beyond trends,* and that mindset will eventually win out.