Core Viewpoint - Since 2025, China's cross-border trade and personnel exchanges have significantly increased, providing strong momentum for the development of cross-border payments [1] Group 1: Cross-Border Payment Trends - The cross-border payment industry is undergoing transformation, moving away from a single funding channel model towards diversified scenarios, full-chain services, and global layout [1][2] - The demand for cross-border consumption is driving innovation in payment services, with a shift from focusing solely on large corporate transactions to including small personal transactions [3] - The integration of QR code payment systems across borders is rapidly advancing, enabling real-time currency conversion and optimizing cross-border settlement processes [3] Group 2: Infrastructure and Policy Support - The continuous improvement of infrastructure supports technological innovation, with the CIPS system covering 189 countries and processing 4.03 million transactions in the first half of the year [5] - Recent policies have provided critical support for diversified payment scenarios, simplifying processes and establishing standards for cross-border payment innovations [6] Group 3: Evolving Role of Cross-Border Payment Providers - Cross-border payment services are evolving from mere payment facilitation to comprehensive support for businesses, including market research, resource matching, and fund management [7] - Companies are launching products that support multiple currencies and financial management, reducing operational costs and risks for cross-border sellers [8] Group 4: Addressing Market Challenges - Cross-border enterprises face challenges due to varying payment environments in different markets, leading to the development of unified payment solutions to streamline operations [9] - Payment providers are enhancing their service offerings by integrating financial services into business scenarios, creating a closed loop of "payment + value-added services" [10] Group 5: Global Expansion and Compliance - Companies are expanding their global presence by obtaining various payment licenses and establishing local offices to address compliance challenges [10][11] - The establishment of a comprehensive global payment license framework supports operations in over 100 countries and regions, facilitating transactions in more than 130 currencies [11]

Amy一家在北京用餐（右一为Amy） 本报（chinatimes.net.cn）记者付乐 北京摄影报道 2025年以来，我国跨境贸易、人员往来活跃度显著回升，为跨境支付注入了强劲发展动力。 12月25日，记者走访了全国首个"入境消费友好型商圈"北京蓝色港湾。时值圣诞节点，商圈内不少外籍 消费者穿梭驻足，消费支付环节便捷顺畅。 走访过程中，记者采访了来自厄瓜多尔的Amy（化名）一家，Amy称，自己到中国之前已经下载了微信 支付和支付宝这两个软件。 "今天是我和姐姐刚到中国的第一天，专程和父母一起过圣诞节。我父母已经来中国一个月了，一家人 打算在这里待一年零两个月。"Amy笑着补充道。从餐饮消费到礼品选购，移动支付已成为他们在华日 常消费的主要方式。 除了入境消费端，跨境支付行业的变革正在上演。《华夏时报》记者采访多家跨境支付机构发现，2025 年以来，跨境支付政策红利持续释放，底层基础设施建设不断完善，叠加金融科技的赋能，正共同推动 行业告别以往单一的资金通道模式，朝着场景多元化、服务全链路、布局全球化的方向加速演进。 空中云汇相关负责人对本报记者表示，这本质是行业应对贸易场景多元化、合规要求精细化、服务需求 ...