Biyapay

📉 The market is down, but it's an opportunity for ordinary people to "make money in reverse".

Recently, in this bearish market, the stock index keeps falling while the offshore yuan exchange rate has been rising. Don’t you understand? Holding no positions means making money.

Haven't the crypto enthusiasts noticed? The offshore yuan to US dollar exchange rate has been rising, and it’s about to hit 7.4. The issues with US-China tariffs have caused the ratio of USD to RMB to keep increasing, making the USD more valuable. Meanwhile, the crypto market is in a dire state, Bitcoin has broken the 7.5 support, ETH is plummeting, and many coins can't even be bothered to show green.

Many people think that when the market is bad, they should wait and observe. Little do they know, "taking action" at this time might be easier to make money than when the market is good:

✅ The exchange rate has risen, and the USD is more valuable.
For example, a month ago, 1 USD could be exchanged for 7.1, but now it can be exchanged for 7.4. Each USD earns you an extra 0.3 yuan, so if you have 10,000 USD, you directly gain 3,000 yuan without the coins rising. Isn’t that nice?

✅ The market is cold and the economy is sluggish; converting to cash is like a "safety belt".
Many people are waiting for the next bull market, but waiting doesn’t change life; you need cash to hedge against risks. It's the smartest strategy for ordinary people to cash out some USD and keep enough liquidity.

✅ Exiting early means exchanging more than exiting late.
To be honest, exchange rates fluctuate. You may see 7.34 today, but tomorrow it could drop back to 7.18. Poor market conditions + rising exchange rates.

At this time, to be honest—if you continue to hold USD and just wait, it only looks good on your account numbers; it’s better to convert it directly to RMB, secure your profits first, and having cash in hand brings peace of mind. This also involves the issue of safely cashing out USD; why do I always recommend #biyapay ? The entire cash-out process complies with regulatory requirements. It’s very convenient, and the best part is that it won’t leave transaction records in domestic banks. This means no one can interfere; your money is yours, dancing back and forth on the sharp edge of the card-cutting action, rejecting all limits, non-counter, freezing, and payment stoppage.

I’m not advising you to cash out all your USD, but I suggest you liquidate it in batches, for instance, cashing out 30%-50% first to convert to RMB, keeping it as cash flow. In an unstable market, having cash gives you confidence, and flexible allocation is much better than stubbornly holding on. When the US stock market stabilizes, or if the yuan depreciates again, you can buy back whenever you want.