CBiBank Research Department

CBiBankRD

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Making Cross-Border Fund Management More Efficient and Predictable

CBiBank

For global businesses, efficient capital management is just as important as successful fund collection.

CBiBank continues to enhance its settlement and withdrawal services based on real cross-border business scenarios. Through two frequently used functions—Self Withdrawal and Supplier Payment—we help businesses meet different funding needs throughout their growth journey.

By providing more standardized processes, clearer fund flow paths, transparent documentation requirements, and well-defined review procedures, limits, and fees, CBiBank helps reduce administrative burdens and improve operational efficiency.

Reliable and orderly fund movement is a key component of long-term business success. Going forward, CBiBank will continue to strengthen its settlement capabilities and support businesses in managing cross-border funds safely, compliantly, and efficiently.

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The world is wide. Dreams can go further.

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Cross-Border Transfers Are Becoming a Long-Term Financial Need

CBiBank

As global lifestyles continue to evolve, cross-border remittance is no longer just an occasional transaction — it’s becoming part of long-term financial management.

From overseas income transfers and family support to international education expenses and travel-related fund management, users increasingly need remittance solutions that are efficient, transparent, and reliable over time.

CBiBank’s “Global Remit to China” service is designed to simplify and optimize this experience within a compliant and secure framework.

Clients can transfer funds to:

Mainland China bank cards

Alipay accounts

WeChat Pay accounts

Different channels support different scenarios, offering greater flexibility for both planned transfers and daily financial needs.

For many users, what matters most today is not simply whether a transfer can be completed — but whether the entire process feels stable, predictable, and sustainable over the long term.

By focusing on clearer processes and more reliable transfer channels, CBiBank aims to make cross-border fund movement smoother, more efficient, and easier to manage in everyday life.

As global financial connections continue to deepen, CBiBank will keep improving its products and services to provide professional, long-term cross-border banking support for clients worldwide.

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In the spirit of legacy and renewal, Tsinghua University’s 115th anniversary was marked in New York City with a summit that felt both expansive and deeply personal.

Hosted in Manhattan by the Greater New York Tsinghua Alumni Association, the forum gathered voices from across industries—finance, technology, healthcare, and entrepreneurship—for a conversation that stretched beyond disciplines and across geographies.

Among the speakers, Mr. Sun Jiangtao offered a compelling reflection on what he called “edge innovation.”

His idea is simple, yet profound: Real opportunities rarely exist at the center. They live at the edges—where boundaries blur, risks emerge, and change accelerates.

In today’s AI-driven era, those edges are shifting faster than ever. Entire industries are being redefined, just as they were in the age of the internet and mobile technology.

And entrepreneurship? Not a straight line, but a loop—an ongoing cycle of ideas, products, companies, and renewed value creation.

The forum itself mirrored this philosophy. It wasn’t just about ideas—it was about connection, continuity, and shared exploration.

115 years is more than a milestone. It’s a testament to long-term thinking.

And perhaps, in uncertain times, the path forward is not to seek certainty— but to return to fundamentals, and step closer to the edge.

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MOTHER’S DAY

No matter the distance, love is never delayed.

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AI Can Run Nonstop — But Can Your Payments?

CBiBank

In 2026, AI is no longer a tool—it’s an execution system.

From AI agents to automated workflows, businesses are scaling AI into daily operations. But as usage grows, so does a hidden challenge: the cost structure has shifted from one-time investment to continuous spending.

Compute, APIs, subscriptions—these costs don’t stop. And neither should your payment system.

Yet in reality, many disruptions don’t come from the model itself, but from payment failures: API calls stop due to billing issues. Subscriptions lapse unexpectedly. Cards get declined or restricted.

When payments fail, AI stops.

CBiBank Visa Card is built to support this new reality.

It enables stable, continuous payments across leading platforms like OpenAI, AWS, Google Cloud, and more—reducing interruptions and helping businesses maintain always-on AI operations.

Because when AI becomes infrastructure, payments do too.

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A Card Designed for the Way the World Pays Today

CBiBank

Payments used to be simple.

Now they’re everywhere— AI subscriptions, global platforms, cross-border services.

And yet, they often don’t work the way they should.

Different platforms, different requirements. Failed transactions. Disconnected accounts.

What’s missing isn’t another payment method. It’s a global wallet.

The CBiBank Visa Card is built around this idea.

It works across global Visa networks, supports subscriptions and everyday spending, and connects with platforms like PayPal—making payments more consistent across services and regions.

Because in a global world, your payments should work the same way.

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From Payments to a Global Wallet

CBiBank

Payments used to be simple: a single action, a completed transaction.

But in a world shaped by AI tools, global platforms, and cross-border lifestyles, payment has become something else entirely—a system that connects services, regions, and daily experiences.

Today, the challenge isn’t just whether you can pay, but whether you can do it consistently across platforms, without friction or interruption.

The idea of a “global wallet” emerges from this shift—a unified way to manage payments across subscriptions, e-commerce, offline spending, and multi-platform accounts.

The CBiBank Visa Card is built around this evolving need. It works across most Visa-supported scenarios worldwide, connects with platforms like PayPal, and helps maintain stable payments for services like OpenAI and Anthropic.

Over time, it also enables users to build a U.S. credit footprint, turning everyday transactions into long-term financial value.

Because when payments become connected, they stop being just actions—and start becoming capability.

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Move Capital at Market Speed

CBiBank

In an increasingly connected global market, opportunities don’t wait.

CBiBank Securities Transfer is built to match the pace of modern investing—allowing you to move funds instantly between your bank and brokerage accounts.

No delays. No friction. Just seamless capital flow.

From US stocks to Hong Kong equities, your funds are always positioned to act when it matters most.

✔ Instant transfers ✔ No fees ✔ Real-time FX ✔ Simple app experience

Because when markets move fast, your capital should move faster.

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Renew · Move · Connect

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Expertise, no tricks

Trust, unchanged

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OpenClaw Is Booming — But Payments Are the Real Bottleneck

CBiBank

Everyone is “raising a lobster” with OpenClaw.

But behind the hype, a practical issue is surfacing: AI doesn’t just need models—it needs reliable payments.

From Claude to OpenAI, AI tools depend on continuous API billing. When payments fail, workflows stop.

That’s why businesses are turning to solutions like the CBiBank Visa Corporate Card:

Built for global AI platform payments

Supports high-frequency billing

Reduces risk of interruptions

Enables centralized financial control

AI is becoming execution infrastructure. And payment is what keeps it running.

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OpenClaw: A New Automation Tool for Global Trade?

CBiBank

Recently, the open-source project OpenClaw has been attracting attention across both the technology sector and the international trade community.

Often referred to as the “red lobster,” the project quickly gained popularity on GitHub and sparked widespread discussion about the future of AI-powered workflow automation.

Unlike traditional AI tools that only generate text responses, OpenClaw belongs to a new category known as Computer Use Agents. These systems can actually operate computers — opening websites, filling out forms, downloading files, and transferring information between platforms.

From the perspective of global exporters, this opens up several potential applications:

• Monitoring competitor pricing and product updates • Conducting background research on new clients • Tracking logistics and shipment status automatically • Organizing scattered customer information into CRM systems

At CBiBank, we’ve observed increasing interest from businesses exploring how automation tools like OpenClaw can improve operational efficiency.

That said, automation should be used responsibly. Automated actions on platforms such as LinkedIn or Facebook may trigger strict anti-bot policies, while poorly designed workflows can result in unexpected API usage costs.

Ultimately, technology tools are multipliers — they amplify the efficiency of businesses that already have strong systems in place.

As global trade continues to digitalize, companies also need robust financial infrastructure, including cross-border banking services, global payments, and multi-currency account management, to support sustainable international growth.

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Her strength, beyond today.

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CBiBank Global Express: Multi-Currency Transfers Made Simple for Businesses

CBiBank

CBiBank Global Express is a multi-currency cross-border remittance service designed for corporate clients, providing a convenient and secure transfer solution.

Following the service upgrade on February 5, 2026, Global Express is now available to all corporate clients.

Businesses can send funds from their USD accounts while beneficiaries receive local currencies directly. With real-time FX conversion and transparent payment routes, transfers are efficient and predictable, with many transactions arriving as fast as the same day.

Supported currencies: USD, HKD, CNY, VND, PHP, IDR, INR

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New Cycle Begins · Going Global Again

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Love isn’t measured in moments — it’s measured in consistency, trust, and showing up every day. Wishing you a Valentine’s Day that lasts beyond today.