In the visible next few years, the competition for U cards will become increasingly intense, and may even become a default mode. When Visa and Mastercard's own networks go live, it will basically bypass banks, and U can recharge (cross-chain) directly to their networks and spend directly. Of course, they won't use any existing public chain, are you saying they are making their own data center chain? Isn't what you're using a data center chain? Which one isn't a data center chain?