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Core Insights - The cross-border payment industry is entering a new phase characterized by a significant trend of "going global," with companies actively seeking overseas licenses to enhance their competitive edge [1][2][3] Group 1: Company Developments - CoGoLinks International has officially obtained a "money service license" in the UAE, allowing it to operate payment accounts, process transactions, and issue payment tools [2][3] - CoGoLinks is a subsidiary of the Jiehang Technology Group, focusing on providing digital solutions in cross-border trade, including e-commerce and traditional foreign trade [2] - The company has also received preliminary approval from the Monetary Authority of Singapore to prepare for a large payment institution license [3] Group 2: Industry Trends - The competition among cross-border payment institutions has shifted from a "channel war" to a "license arms race," with many companies applying for and acquiring licenses globally [3][4] - As of now, companies like Lianlian Digital and PingPong hold numerous licenses across key markets, indicating a trend towards building a robust compliance foundation [3][4] Group 3: Market Dynamics - The push for overseas licenses is driven by intense competition in the domestic payment market and the higher fees associated with cross-border payments [4][5] - Companies are expanding their services beyond simple payment processing to include local acquiring, multi-currency settlement, and foreign exchange management [6][10] Group 4: Strategic Considerations - Firms are advised to prioritize obtaining key licenses in strategic markets to balance compliance depth with service breadth [8][10] - The focus is shifting from merely acquiring licenses to enhancing comprehensive service capabilities, including technology innovation and localized service [9][10] Group 5: Challenges and Risks - Obtaining overseas payment licenses involves navigating complex regulatory environments and can take 1-2 years, requiring extensive communication with local regulators [7][9] - There are risks associated with license retention, as some countries may revoke licenses if certain market performance indicators are not met [9]