Settlement and Integration

Real-Time FX Settlement and Local Currency Support

AP U-Card features a smart currency recognition system:

• Automatically settles in euros in Europe, yen in Japan, and so on

• No manual currency exchange required—transactions are auto-converted into local currency

• Fully compatible with local merchant POS systems, without extra explanation or approval

This function eliminates the technical barrier between wallets and local life, enabling users to “recharge in USDT, spend in local currency.”

Seamless Integration with AP Platform Accounts

AP U-Card is tightly integrated with users’ AP platform accounts, effectively functioning like an internal bank. Benefits include:

• Partners can convert earnings (UP points) from the AP platform into USDT, then load that onto their U-Card as spendable USD

• U-Card users can transfer USD to one another without fees, greatly improving capital mobility

For example, if two friends both hold U-Cards, transferring $500 between them is instant, direct, and free of charge. This system essentially forms a private financial network within the AP ecosystem, where every user enjoys VIP-level account features.

No need for centralized exchanges or traditional banks—the income earned on-chain is deposited straight into a spendable account.