Not long ago, I helped my cousin who is studying abroad handle an urgent living expense. After a few taps on my phone, she sent me a selfie with bubble tea five minutes later — this reminded me of a few years ago when I was studying abroad, filling out forms at the bank to transfer my scholarship to my family until my hands were sore, waiting for a full three days for the funds to arrive.

Nowadays, cross-border transfers are no longer a 'big project'. A friend of mine who is in cross-border e-commerce often needs to remit payments to overseas suppliers. In the past, he was always worried about limits and high fees, but now the fund turnover is as flexible as recharging mobile phone credits. Recently, he has been expanding in the Southeast Asian market smoothly, saying it’s thanks to being able to track funds in real-time, which has impressed his partners with his efficiency in payments. Many investment enthusiasts around me have also begun sharing new ways to 'take advantage of opportunities'.

Some people are checking real-time US stock market trends during breakfast, easily laying out overseas markets thanks to the zero-threshold account opening with BiyaPay; others are studying cryptocurrency and fiat currency exchange, seizing on small profits from currency fluctuations, joking that it's much more thrilling than buying financial products.

What is most reassuring is the confidence that comes with compliant operations. It feels as solid as knowing that important documents are locked in the hotel safe while on a business trip. When authoritative licenses and a complete certification system become standard, cross-border finance truly transforms from 'risk' to 'routine'.

Perhaps one day in the future, we will find cross-border transfers as convenient as scanning a code to pay, deeming it so trivial — but for now, this little 'happiness' is still worth sharing with those who need it.