With P2P RMB clearing as the core, it extends to UnionPay/online banking/virtual accounts, WeChat payment and Alipay acquiring, digital asset deposits and withdrawals, as well as auditable on-site performance and cash delivery coordination; the same set of APIs, risk control and reconciliation output is suitable for gold/precious metals, foreign exchange, securities futures, cross-border e-commerce, games and financial technology.
Point-to-point capabilities covering 300+ banks across the country; collections and payments share signature, callback and reconciliation models, reducing R&D and operation and maintenance costs.
Mainland Chinese users can deposit RMB into their accounts within 30 seconds on average; applicable to scenarios such as foreign exchange, cross-border e-commerce, games, and financial recharge. The range and success rate of a single transaction are subject to business evaluation.
Batch payments are made to personal cards and corporate accounts, and Webhook status is returned, suitable for commissions, supply chain and platform withdrawals. The batch upper limit and arrival time limit are configured according to the contract.
Completing the acquisition forms other than P2P: UnionPay code scanning and cloud QuickPass, online banking signature verification, enterprise-level virtual account (VA) deposit, and WeChat Pay/Alipay (JSAPI, APP, H5, Native/face-to-face payment, etc., opened according to licensed channel and contract); facilitate reconciliation, refund and fund collection.
Within acceptable compliance and risk control boundaries, connect stable currency and fiat currency channels; it is applicable to licensed or registered platforms, and the actual opening is subject to review results.
For businesses that require identity verification, receipt confirmation or high-value delivery at designated locations, we work with local compliance partners to design a fulfillment process: advance reservation and list verification, on-site two-way confirmation, full traces and post-audit export to reduce operational disputes and delivery risks. It is suitable for B2B bulk commodity settlement, on-site collection at exhibitions/events, offline clearing with corporate customers, and other scenarios that require “verifiable performance”.
Regional nodes (fulfilment network)
The access conditions, license requirements, amount of work and route quotas in each jurisdiction are subject to the business review results and written contracts; some markets only provide consultation and partner introduction, which does not constitute a service commitment.
Business clarification, compliance review and technology integration can be carried out in parallel; after passing the review, sandbox joint debugging and production can generally be completed within a few working days.
Submit scenarios and estimated magnitudes
1–2 working days
Company and beneficiary information
1–3 working days
API/SDK sandbox verification
0.5–1 working day
Switch production keys and monitoring
Effective immediately