The best U card currently used, EtherFi's 2% SCR + 3% ETHFI total 5% rebate has a hidden clause:
The extra 3% has to be deposited in liquidUSD/weETH to get it. Deposit 100U assets to return 100U, and so on.
If you are troublesome, you can change it all to liquidUSD to open collateral consumption. Sell LTV and return USDC.
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