646 张加密卡测评：高返现多是噱头，发行方和真实成本才是硬指标
646张加密卡中，仅256张适合普通用户，91张属高风险，其中57张免KYC。109张评分中S级仅4张：ether.fi Cash 78.5分居首。高返现多附代币支付、锁仓或高资产门槛。
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