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Chen Tian Universe
Chen Tian Universe
Oct 13, 2025 · Fundamentals

Unlocking the Secrets of Payment Fund Management: From Domestic to Cross‑Border

This article demystifies the hidden fund‑management layer behind online payments, explaining reserve‑account handling, internal and virtual accounts, settlement, reconciliation, bookkeeping, accounting, and the added complexities of cross‑border payments such as multi‑currency, liquidity, and regulatory challenges.

LiquidityReconciliationaccounting
0 likes · 23 min read
Unlocking the Secrets of Payment Fund Management: From Domestic to Cross‑Border
Chen Tian Universe
Chen Tian Universe
Sep 27, 2025 · Operations

How to Eliminate Illegal Secondary Clearing (二清) in Payment Platforms: A Complete Compliance Guide

This article explains what secondary clearing (二清) is, why it violates regulations, and provides a step‑by‑step compliance solution—including account structures, payment transaction flows, fund collection, settlement, regulatory clearing, platform transformation checklists, and key interface specifications—to help platforms redesign their settlement processes safely and legally.

Regulationclearingcompliance
0 likes · 17 min read
How to Eliminate Illegal Secondary Clearing (二清) in Payment Platforms: A Complete Compliance Guide