> For the complete documentation index, see [llms.txt](https://lucia-protocol.gitbook.io/lucia-protocol/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://lucia-protocol.gitbook.io/lucia-protocol/virtual-credit-card.md). # Virtual Credit Card In the upcoming phases, borrowers will be granted the option to leverage a virtual credit card provided by Lucia for tangible transactions. Crucially, the associated transaction fees for these virtual credit card operations will consistently maintain a level below the conventional charges typically associated with traditional credit cards. This advantageous cost structure amplifies the financial viability for borrowers. Furthermore, this characteristic will also empower borrowers to amass cashback rewards of up to 3.5% upon the successful completion of their loan settlement. These rewards are positioned as an incentive to promote prudent borrowing practices and prompt repayment, thereby conferring supplementary benefits to borrowers. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://lucia-protocol.gitbook.io/lucia-protocol/virtual-credit-card.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.