r/CryptoCurrencyFIRE

So looking at different ways to actually spend USDT day to day, and there seem to be a couple of different approaches. Some crypto cards require you to deposit funds onto the platform or fund a separate spending balance first. Pretty straightforward, but it means moving your USDT before you actually need to spend it.

Then there are wallet-native options where you can keep USDT in your own wallet until you're actually making the purchase.

For anyone who's tried both, which setup do you prefer for everyday spending? Does keeping USDT in your own wallet make a meaningful difference, or is a pre-funded setup more convenient in practice?