At three in the morning in the café, Wang Wei let out a sigh in front of her computer screen. A multinational client unexpectedly requested an early settlement of euro payments, and in the past, just the cross-border transfer and currency exchange would take several days of hassle. She remembered her cousin, who works in cross-border e-commerce, saying, 'BiyaPay is like having a financial steward on standby 24 hours a day,' so she decided to give it a try and download it.

The programmer at the next table glanced at her screen and suddenly spoke up: 'This software? I sent salaries to the Silicon Valley team last week; I submitted the application at four in the morning, and by six, they received the dollars.' As soon as he finished speaking, Wang Wei's phone popped up a notification of funds received—what used to require cumbersome procedures for euros had already been converted into dollars at the real-time exchange rate, comfortably resting in her account. She couldn’t help but message her cousin: 'Your recommendation is indeed reliable!' Outside the window, the city's neon lights were still flashing, and this cross-border capital flow turned out to be even easier than ordering a cup of coffee.