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Crypto lena
发现一个现象：越小的稳定币消费场景，用户越不在意通道品牌。在PayAll上买$10礼品卡和刷$500订阅，选通道的决策逻辑完全不一样。小额看方便——流程越短越好，大额看安全——合规层级和资金保障优先。PayAll两个场景都覆盖，所以我的策略是小额走礼品卡快速消费，大额走U卡享受更低费率和更高额度。
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