Vikram Arun, co-founder and CEO of Superform, argues that while crypto cards are not the future of payments, they are a temporary interface for a world that hasn't fully accepted cryptocurrencies. Instead of selling assets to spend, users can deposit yield-bearing assets, open a credit line and spend against it, while their assets keep earning. This model allows users to keep earning while maintaining spending power. This shift from debit to credit fundamentally changes the definition of what can safely secure my credit. Payments can be made through a transparent liquidation system, rather than forced conversions or idle balances. The most immediate objection to this system is volatility, which protects people from being liquidated.