This card now allows for transfer from one member to another.
Just another way to pay for a trade if both seller and buyer use the wallet.
May prove useful if not wishing to clutter your bank account with transactions.
It is pretty simple. As it is a debit card, they (the Coy) uses your money until you spend it. They save a bundle in interest in funding Coy activities.
Therefore they can be magnanimous and not charge fees when we spend our own money.