Recently, currency fluctuations have become more frequent, and more people are discussing it. But for me, those numerical changes are not the most direct impact. When exchange rates were stable before, slightly slower cross-border payments and more steps were actually acceptable. But once volatility increases, every delay and transfer makes people start to calculate and hesitate. Many people's attitude towards cross-border payments is "use it when needed." For a long time, my only criterion for choosing a cross-border payment tool was whether the fee rate was low or not. It wasn't until I had ongoing, fixed overseas expenses that I realized this method wasn't so easy. Because I found that what truly affects the experience is often not the small differences on paper, but the uncertainty. When will the funds arrive? Will there be restrictions? When problems occur, can I quickly find out the cause? The psychological cost of these issues is far more real than the small savings on fees. Later, I started using BiyaPay. Initially, I didn't have a strong comparative feeling. But the longer I used it, the more obvious the difference became. Its advantages are not in a single point but in the overall experience: multi-currency accounts for centralized management, no need to shuffle back and forth; clear payment paths, making the process predictable; relatively stable usage rules, reducing the chances of repeatedly hitting snags. Now I handle these fixed expenses on BiyaPay, and the core reason is simple: it is more suitable for long-term use. The multi-currency wallet allows me to plan funds in advance instead of exchanging currency on the spot each time; clear payment paths make the entire process predictable; stable usage rules also reduce the chances of running into issues repeatedly. Gradually, cross-border payments have shifted from being a "problem that needs handling" to a "routine operation." The true value of cross-border payments is not in saving the most money at one time, but in not having to worry every time. For those with long-term, regular cross-border expenses, a stable, clear, and sustainable tool itself is an efficiency. #BiyaPay # Deposit and withdrawal #不冻卡 # US stocks #港股 # Crypto trading #Multi-asset trading