深耕外贸B2B 本地收款、反洗钱风控正成为跨境支付服务商的核心竞争力

Group 1 - The core viewpoint is that B2C cross-border e-commerce payment and B2B foreign trade payment are the two key competitive arenas for non-bank cross-border payment service providers, with a shift towards B2B due to the saturation of the B2C market [1][9] - Non-bank cross-border payment service providers are finding growth opportunities in small B2B foreign trade transactions, particularly as traditional banks focus on larger clients, leaving small foreign trade companies underserved [1][7] - Emerging markets such as Africa and Latin America are attracting a significant number of Chinese foreign trade enterprises, presenting new opportunities for payment service providers [1][2] Group 2 - The reliance of Chinese foreign trade enterprises on the U.S. market is decreasing, with a shift towards Southeast Asia, Africa, and Latin America, as indicated by a drop in the proportion of foreign trade receipts from the U.S. from 22% in 2018 to 8.6% in mid-2025 [2][3] - The XTransfer PMI report highlights that Africa has the highest export PMI, with significant demand for "new three samples" products like lithium batteries and electric vehicles, indicating a diversification of export destinations [3][6] - Small and micro private foreign trade enterprises have become a crucial force, with their export value reaching 9.8 trillion yuan in the first seven months of 2025, showing double-digit growth year-on-year [6] Group 3 - Challenges faced by small foreign trade enterprises include high fees and slow transaction times associated with traditional cross-border payment methods, which are exacerbated by inadequate infrastructure in some markets [7][8] - Many small foreign trade companies are transitioning to non-bank cross-border payment service providers like XTransfer, benefiting from lower fees and faster transaction times [8][9] - The transition from B2C to B2B in cross-border payments presents challenges due to the complexity and lack of standardization in B2B transactions compared to B2C [11][14] Group 4 - Non-bank cross-border payment service providers are focusing on building localized financial networks in emerging markets to facilitate local currency transactions without the need for overseas entities [13][14] - Anti-money laundering and risk control are significant challenges in B2B foreign trade payments, requiring payment service providers to develop robust and independent risk management capabilities [11][14] - The application of big data and AI technologies is enhancing compliance and risk management capabilities for cross-border payment service providers, allowing for better identification and analysis of potential risks [14]