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Group 1 - WeChat Pay HK becomes the first electronic wallet to access the "Cross-Border Payment Link," allowing Hong Kong residents to transfer funds to mainland personal bank accounts or mobile numbers without fees [1][3] - The "Cross-Border Payment Link" connects the mainland's interbank online payment system (IBPS) with Hong Kong's Faster Payment System (FPS), facilitating RMB and HKD circulation for various business scenarios [3][4] - As of December 22, 2023, 35 institutions are participating in the "Cross-Border Payment Link," including 22 from Hong Kong and 13 from the mainland, indicating a growing network [3] Group 2 - The launch of the "Cross-Border Payment Link" marks a significant step in the connectivity of payment infrastructures between the mainland and Hong Kong, enhancing the recognition and use of both currencies in retail payment scenarios [3][4] - WeChat Pay HK's involvement signals a positive trend in the industry, suggesting that other large electronic wallets and prepaid card companies may also pursue cross-border real-time settlement in the future [5] - The potential for more types of institutions, such as cross-border e-commerce platforms and third-party payment organizations, to join the "Cross-Border Payment Link" could further innovate and develop the cross-border payment sector [5]