Core Viewpoint - The article highlights the increasing issue of fraud and impersonation involving China UnionPay, emphasizing the organization's commitment to protecting consumers and merchants from illegal activities [1][4][9]. Group 1: Fraudulent Activities - China UnionPay has issued a stern statement regarding recent impersonation cases where individuals or organizations have falsely claimed to represent the company, jeopardizing the financial and personal information security of merchants and consumers [1][4]. - The organization has previously released similar warnings, including a statement in February regarding a fraudulent app named "UnionPay Conference APP," which posed risks of sensitive information theft and financial loss [2][11]. Group 2: Official Communication Channels - China UnionPay stresses that any business or investment solicitations made under its name, such as high-interest financial products or credit card services, are fraudulent [5][6]. - The company has outlined its official communication channels, which include its website, WeChat accounts, and verified social media platforms, urging the public to be cautious of information from unverified sources [7][8]. Group 3: Industry Response - Other financial institutions, including Alipay and Dahua Bank, have also issued statements to combat misinformation and fraud, indicating a broader industry concern regarding the authenticity of information in the digital age [3][14]. - A payment risk control expert has emphasized the need for heightened vigilance among the public and increased efforts from financial institutions to monitor and respond to fraudulent activities effectively [15][17].

Group 1: Regulatory Developments - Hong Kong Legislative Council passed the Stablecoin Regulation Draft on May 21, becoming the first region globally to issue licenses for fiat-backed stablecoins [1] - The US Senate is also advancing stablecoin legislation, indicating a growing regulatory focus on this area [1] Group 2: Company Developments - Lakala, a company holding 237 payment licenses, is the only private player in China connected to the CIPS system and the digital RMB cross-border channel [3] - Lakala has upgraded its 5 million POS machines to accept stablecoin payments [4] - There are rumors that JD.com plans to issue stablecoins in Hong Kong, with Lakala as a potential technical partner [5] Group 3: Market Reactions - Following Lakala's announcement of plans to list in Hong Kong on June 16, its stock price hit the daily limit up [6] - The company is being referred to as the "cross-border payment dragon" due to its ability to instantly convert 36 currencies and service over 100 countries [6] Group 4: Financial Performance - Lakala's 2024 revenue is projected at 5.759 billion, a decrease of 2.96% from the previous year, with net profit down 23.26% to 351 million [9] - The Q1 2025 net profit dropped to 101 million, indicating a significant decline [10] - Total transaction volume for 2024 is expected to be 42.2 trillion, down nearly 300 billion from 2023, with a notable decline in card transactions [10] Group 5: Business Transformation Challenges - Lakala's SaaS services added 10,000 stores with a 65% increase in transaction volume, but overall revenue from technology services is declining [11] - Credit card promotion revenue plummeted by 78%, negatively impacting the technology segment [11] Group 6: Future Prospects - If the Hong Kong license is obtained, stablecoin business could yield a gross margin of 68%, potentially contributing 400 million in revenue by 2025 [13] - Based on an 8x PS for cross-border business, the market value could increase by 3.2 billion [14] - The Central Bank's first public discussion on stablecoins occurred on June 18, with Lakala executives present, indicating significant interest in the sector [14]

Core Viewpoint - The article highlights the rampant misuse of POS machines for credit card cash withdrawal in China, facilitated by lax merchant verification processes and the complicity of payment institutions, leading to significant financial risks and regulatory challenges [1][2][3]. Group 1: POS Machine Misuse - Personal users can easily register as merchants using false information, allowing them to convert credit card limits into cash through POS machines [1][2]. - The process of cash withdrawal via POS machines is quick and straightforward, often taking less than 10 minutes to complete [3]. - Payment institutions like Lakala have been criticized for their inadequate merchant verification processes, which enable individuals to misuse POS machines for cash withdrawal [2][3]. Group 2: Profit Motives and Industry Practices - The article describes a profit-driven model where agents earn commissions based on transaction volumes, incentivizing the promotion of POS machines for cash withdrawal [4][5]. - The commission structure is tiered, with higher transaction volumes leading to greater profit margins for agents, creating a competitive environment that encourages misuse [5]. - Payment institutions benefit from increased transaction volumes and associated fees, leading to a conflict of interest in enforcing compliance [6]. Group 3: Regulatory Challenges - Regulatory bodies have issued guidelines to limit POS machine usage to one merchant per device, but these regulations are often circumvented by agents [7]. - The lack of a specific legal framework addressing credit card cash withdrawal leads to low penalties for violators, making enforcement difficult [10]. - The article emphasizes the need for improved collaboration among regulatory agencies to effectively monitor and control the misuse of POS machines [10]. Group 4: Recommendations for Improvement - Experts suggest that payment institutions should enforce stricter merchant verification and transaction monitoring to prevent misuse [10]. - There is a call for clearer legal definitions and penalties related to credit card cash withdrawal to enhance regulatory effectiveness [10]. - Utilizing advanced technologies like big data for transaction monitoring and risk assessment is recommended to combat the issue [10].

7月10日，中国银联官网挂出一则《严正声明》称，近期，有机构或个人假冒中国银联名义从事违法经 营活动，侵害商家、消费者财产及个人信息安全。中国银联对此高度重视，并积极维权。 银联剑指"李鬼" 中国银联在上述声明中强调，凡是以"中国银联工作人员""中国银联某产品"等名义开展招股募资、高利 率理财、财产担保、信用卡逾期账单处理、办理POS机和信用卡等业务或经营活动的，皆为假冒银联名 义。"我公司从不以该等方式从事该类业务或经营。比如，宣称是'云闪付收银台''云闪付收款码'或'银 联聚合收款码'代理商，开展招股募资等经营活动，电话要求下载不明APP，索要银行卡信息、个人身 份信息、支付密码等行为的，皆为冒用银联名义。"中国银联表示。 在声明中，中国银联重申了公司的官方网址为"www.unionpay.com"，微信订阅号为"中国银联""中国银 联发布"，服务号为"中国银联95516"，以及在微博、小红书、抖音、快手、哔哩哔哩等各大社交媒体平 台上经信息认证的官方账号。 中国银联方面提示，对于任何非上述渠道发布的银联相关信息，请投资者谨慎对待。如需查询确认，可 拨打公司官方客服热线95516。"我公司提示公众提高警惕 ...

Group 1 - The People's Bank of China has approved a series of personnel changes at Tenpay Payment Technology Co., Ltd., a subsidiary of Tencent and the operator of WeChat Pay, indicating significant management adjustments within the company [1] - Tenpay has increased its registered capital to 22.3 billion yuan, reflecting regulatory recognition of its development and commitment to enhancing technological innovation and payment service quality [1] - The appointment of new compliance and risk management leaders at Tenpay signals a heightened focus on anti-money laundering and compliance in response to stricter regulations in the payment industry [1] Group 2 - Multiple payment institutions, including Alipay and Chengfutong, have undergone management adjustments this year, influenced by new regulatory requirements set to take effect in July 2024 [2] - The new regulations mandate that senior management of non-bank payment institutions must have specific educational and professional qualifications, emphasizing the need for capable leadership in the sector [2] - The adjustments in management are seen as necessary for compliance with new regulations and to enhance governance structures within payment institutions [3] Group 3 - The changes in management are driven by a combination of new regulations, industry competition, and technological advancements, necessitating a more comprehensive skill set among executives [3] - Payment institutions are under pressure to optimize governance structures in light of increasing regulatory scrutiny and rising compliance costs [3] - Future competitiveness in the payment industry will depend on the professional and forward-looking capabilities of management teams, balancing compliance, technological innovation, and cost control [3]

｜2025年7月11日星期五｜ NO.1 深圳上半年新增50多条无人机物流航线 据深圳新闻网7月10日消息，今年上半年，深圳市新增无人机物流航线50多条。目前，深圳市低空经济产业规上企业增加值达213.8亿 元，全市低空经济链上企业合计超过1900家。 点评：整体来看，深圳在低空经济领域已走在全国前列，产业生态不断完善、应用场景持续丰富。 NO.2 澳门前5月餐饮业电子支付交易额同比增长3.2% 7月10日，澳门特别行政区统计暨普查局资料显示，2025年前5个月，澳门餐饮业电子支付交易额同比增长3.2%至56.9亿澳门元。零售业 前5个月的交易额同比下跌13.6%至208.1亿澳门元，5月交易额的同比跌幅已进一步收窄。 点评：餐饮业电子支付额稳步增长，不仅是支付方式迭代的体现，更彰显了行业活力持续恢复。 NO.3香港财政司司长陈茂波在韩国参访创科企业 7月10日，香港特区政府财政司司长陈茂波在韩国首尔到访创科企业时表示，香港正大力发展人工智能领域，积极完善相关的基建，香港 科技园和数码港等创科机构正建构更蓬勃的创科生态圈。香港作为国际金融中心，拥有全链条的筹融资选项，保障数据和知识产权的法 律体系完善。 点评 ...

连连国际能脱颖而出，不仅得益于其在安全合规、技术生态及本地化服务等方面的核心优势，也是行业对其在中小微企业跨境支付和B2B服务领域实力的肯 定。依托全球支付牌照构建合规壁垒，连连国际以自研技术平台支撑全球交易，通过多地本地化布局实现跨境深度触达。同时，以此次获奖为基础，连连国 际也将不断推动技术、产品及服务的迭代升级与创新突破，进一步推动整个跨境支付行业的发展，在 5G、AI 等技术引领的数字经济全球化浪潮中，为中小 微企业提供更优质的跨境支付解决方案。 6 月 26 日，备受亚太金融界瞩目的《亚洲银行家》2025 年度中国奖项计划颁奖活动在北京盛大举行。在这场被誉为亚太金融界 "奥斯卡" 的评选中，港股上 市公司连连数字旗下跨境支付核心品牌连连国际凭借在跨境支付领域的卓越表现，摘得"中国最佳中小微企业跨境支付和 B2B 服务"奖项。 据悉，《亚洲银行家》系列奖项在亚太地区金融界的地位举足轻重，历来是各大金融机构争相角逐的目标。本年度的评选过程尤为严苛，亚洲银行家研究院 和评审顾问团历时 4 个月，对参选材料展开细致评估调查，并与同业进行对标后，才最终确定获奖名单。评选覆盖零售金融、交易银行等六大领域，其结果 ...

金一文化：开科唯识有支付清算的相关业务技术和经验积累 智通财经7月10日电，金一文化(002721.SZ)发布投资者关系活动记录表，从业务角度来讲，开科唯识有 支付清算的相关业务技术和经验积累，针对稳定币业务技术可进行细节及架构调整；从IT技术角度来 讲，开科唯识有区块链技术储备，与稳定币的相关技术是相通的。公司针对稳定币行业转变时间周期不 能作出预估，但会积极关注。 ...

业内人士：部分稳定币概念股短期炒作过热 需要注意回调风险 广东已有大型银行在摸查与贷款中介的合作 近日，记者从金融业界获悉，在打击"金融黑灰产"的大背景之下，广东区域已有大型银行对多家贷款中 介展开摸查、排查合作情况，并要求分支机构反馈相关合作信息。 不过，有业内人士对记者表示，近 期大型银行在摸查与贷款中介的合作属于正常的风控行为。有关人士表示，在监管指导下，过去几年， 广东金融业不断加强合规建设，对业务营销和审批环节进行严格审查，持续整治各类"黑灰产"乱象， 加强"黑灰产"打击力度。（21财经） 亚马逊考虑向Anthropic追加投资数十亿美元 集邦咨询：光伏产业链积极报涨 月内价格将有所抬升 最近几天，在港股市场上，多家上市公司的股价因涉足"稳定币概念"而大涨。7月10日盘中，港股普星 能量一度暴涨超280%。该公司稍早前宣布，已认购由HashKey Holdings发行的A系列优先股，后者专注 于投资区块链技术、数字资产的全球化资产管理及提供合规数字资产场外交易服务。同时异动的港股还 有德林控股，该股早盘一度上涨超70%。公司股价拉升的原因，也跟数字货币有关。德林控股昨日盘后 宣布，拟代币化整体价值最 ...

Core Insights - Lianlian International has been awarded the "Best Cross-Border Payment and B2B Services for SMEs in China" by The Asian Banker for 2025, highlighting its strengths in security compliance, technological ecosystem, and localized services [1][3] Group 1: Security Compliance - The company emphasizes the importance of security compliance, supported by a robust compliance framework built on 65 global payment licenses and qualifications, providing a reliable infrastructure for sellers [3] - Lianlian's comprehensive payment solutions serve over 5.9 million enterprises across more than 100 countries and regions, with "safety" being a core principle throughout the entire process from fund remittance to receipt [3] Group 2: Technological Ecosystem - Lianlian Digital has developed a proprietary technology platform that offers stable, secure, and flexible system support for various business operations, demonstrating good scalability to adapt quickly to new industries and business scenarios [3] Group 3: Localized Services - The company has established local teams and obtained relevant payment licenses in Southeast Asia to build a comprehensive payment network, while also collaborating with local partners and financial institutions in the Middle East to offer customized payment solutions [3] - Lianlian International is also active in Central Asia, Eastern Europe, Latin America, and Africa, promoting e-commerce development through localized, customized, and compliant services [3] Future Outlook - Lianlian International aims to continue leveraging its strengths to provide higher quality cross-border payment services for global SMEs [3]