When I first started investing in US stocks, I was completely a novice. The whole process of opening an account, remitting funds, and depositing money sounded overwhelming, especially the deposit. The traditional method requires opening an overseas bank account, a lot of documentation for review, and after messing around for half a month, I still hadn't sorted it out. Later, I saw someone in the investment group recommend BiyaPay, claiming that it allows direct deposits into brokerage accounts using USDT, which is simple and fast. I decided to give it a try. After downloading the BiyaPay App, I followed the prompts to register, uploaded my ID for identity verification, and was approved on the same day. For my first deposit, I bought some USDT from Binance, transferred it to BiyaPay's recharge address, and chose the TRC20 protocol (a little tip: the recharge and withdrawal protocols must be consistent, otherwise there will be errors). Within 5 minutes of the transfer, the USDT arrived. I directly exchanged it for USD in the App and transferred it to my Charles Schwab account. The whole process was so quick that it made me question my life choices! The key point is that the transaction fee is incredibly low, only 0.5%, which is much cheaper than Wise, which I had tried before. The withdrawal experience also made me a complete fan of BiyaPay. Once, I needed to withdraw funds from my US stock account back to my home country. The traditional method required transferring through an intermediary bank, which was time-consuming, labor-intensive, and prone to risk control issues. BiyaPay allowed me to directly exchange USD for USDT, withdraw it to an exchange, sell it, and transfer it to Alipay in my home country, all done in 10 minutes, without worrying about card freezing issues! Moreover, BiyaPay has very solid compliance qualifications, holding the SEC's RIA license and MSB financial license in the US, which gives me, as a beginner, peace of mind. Now, I have been using BiyaPay for almost a year, transitioning from an investment novice to someone who can easily allocate global assets like a seasoned driver. Whether it's depositing money to invest in stocks or withdrawing funds back home, BiyaPay has made it hassle-free and easy for me. If you also want to say goodbye to the cumbersome deposit and withdrawal processes, give BiyaPay a try, and you definitely won't be disappointed!