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Core Viewpoint - The Hong Kong Monetary Authority (HKMA) and the People's Bank of China are launching a cross-border payment system to facilitate instant payments between Hong Kong and mainland China, enhancing financial connectivity and efficiency in cross-border transactions [1][2]. Group 1: Cross-Border Payment System Details - The cross-border payment system will connect Hong Kong's Faster Payment System (FPS) with the mainland's Interbank Payment System (IBPS), allowing residents and institutions to make instant cross-border payments [1]. - Initial services will focus on personal-to-personal transactions and payments related to living expenses, such as tuition and medical fees, with no transaction fees charged by banks at this stage [1][2]. - The daily remittance limit for Hong Kong residents is set at 10,000 HKD per participating bank, with an annual limit of 200,000 HKD, while mainland residents can remit up to 50,000 USD per year to Hong Kong [1][2]. Group 2: Participation and User Base - Six banks from both Hong Kong and mainland China are participating in the initial phase, with over ten additional banks expressing interest in joining the system [2]. - The IBPS currently has 298 million users, while the FPS has 17 million users, indicating a substantial demand for the cross-border payment service [2]. - The HKMA aims to optimize the service based on user experience and may expand the number of participating institutions and service scenarios in the future [2]. Group 3: Strategic Importance - The cross-border payment system is a significant step in enhancing cooperation between Hong Kong and mainland China, improving the efficiency of cross-border payments and facilitating trade and personnel exchanges [2]. - This initiative is expected to strengthen Hong Kong's position as an international financial center and a hub for offshore RMB business [2].