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XTransfer构建AI驱动的反洗钱风控基础设施 助力跨境贸易安全合规
Zheng Quan Ri Bao Wang· 2025-06-11 11:46
本报讯(记者矫月)近日,XTransfer以其行业领先实力、AI风控服务能力、对外贸企业深度赋能的成效, 亮相荷兰阿姆斯特丹的Money20/20欧洲展会,将高效便捷、安全稳定的跨境金融解决方案展示给全 球,获得广泛关注。 过去,全球中小微贸易企业在B2B跨境贸易结算中,面临着重重困境,包括成本高、时效慢以及流程繁 琐复杂等。为解决行业痛点,XTransfer与摩根大通等全球性银行、星展银行等区域性银行、拉美与非 洲等地的本地银行,以及全球金融科技合作伙伴紧密合作,率先构建了覆盖多币种的全球统一B2B贸易 结算网络。基于此网络,传统跨境支付所需的1—7个工作日缩短至最快实时到账,手续费大幅降低。 Money20/20欧洲展会期间,XTransfer与法国巴黎银行签署了具有里程碑意义的合作备忘录。XTransfer 与法国巴黎银行的战略合作,旨在为从事国际贸易的欧洲中小企业,提供简化的跨境支付解决方案。 日前,XTransfer还成功获得荷兰央行颁发的电子货币机构(EMI)牌照。这一资质使得XTransfer能够为荷 兰本地中小贸易企业提供本地账户、跨境结算、外汇兑换等服务。未来,XTransfer将以荷兰为支 ...
创识科技: 兴业证券股份有限公司关于福建创识科技股份有限公司拟调整募投项目内部投资结构和项目延期的核查意见
Zheng Quan Zhi Xing· 2025-06-11 10:28
Summary of Key Points Core Viewpoint - The company, Fujian Chuangshi Technology Co., Ltd., is planning to adjust the internal investment structure of its fundraising projects and extend the project timelines, which has been reviewed and approved by its board and supervisory committee [6][7]. Fundraising Overview - The company issued 34.125 million shares at a price of 21.31 RMB per share, raising a total of 727.20375 million RMB, with a net amount of 666.6149 million RMB after deducting issuance costs [1]. Use of Fundraising - The net proceeds are planned to be invested in three main projects: 1. Industry Electronic Payment Solution Upgrade 2. Merchant Service Network Construction 3. R&D Center Construction [2][3]. Project Adjustments - **Industry Electronic Payment Solution Upgrade**: - Total investment remains at 22,636.52 million RMB, with adjustments in construction and development costs, extending the project completion date to December 31, 2028 [4][5]. - **Merchant Service Network Construction**: - The project timeline is also extended to December 31, 2028, to adapt to the growing digital marketing needs of merchants in the mobile payment era [4][5]. - **R&D Center Construction**: - The total investment remains unchanged at 10,084.03 million RMB, with an extension of the completion date to December 31, 2028, focusing on enhancing technological innovation and service capabilities [5]. Impact of Adjustments - The adjustments are deemed necessary for the company's strategic development and will not adversely affect the normal operations or the interests of shareholders [5][6]. Review and Approval Process - The adjustments have been approved by both the board and the supervisory committee, and will be submitted for shareholder approval [6][7].
财付通注册资本增至223亿元 或应对更细维度监管要求
Zhong Guo Jing Ying Bao· 2025-06-11 09:30
Core Viewpoint - The People's Bank of China has approved an increase in the registered capital of Tenpay Technology Co., Ltd. to 22.3 billion yuan, marking the second capital increase in 2024 and solidifying its position as the highest registered capital payment institution in China [2][3]. Group 1: Company Developments - Tenpay's registered capital increased from 1 billion yuan to 15.3 billion yuan in March 2024, and now stands at 22.3 billion yuan, surpassing the second-ranked payment institution by nearly 18 billion yuan [2]. - The increase in capital reflects regulatory recognition of Tenpay's development and its commitment to investing in technological innovation, service quality, and payment security [2]. - Tenpay supports WeChat Pay and QQ Wallet by providing secure underlying technology for online transactions [2]. Group 2: Industry Context - Since the implementation of the Non-Bank Payment Institutions Supervision Management Regulations in May 2022, several payment companies have increased their registered capital, altering the rankings of leading non-bank payment institutions [3]. - The second-ranked institution is PayPal's subsidiary with a registered capital of 4.52 billion yuan, followed by Du Xiaoman Payment at 4 billion yuan, and Douyin Payment at 3.15 billion yuan [3]. - Alipay, under Ant Group, has not increased its registered capital since last year, remaining at 1.5 billion yuan [3]. Group 3: Regulatory Environment - The Non-Bank Payment Institutions Supervision Management Regulations set a minimum registered capital requirement of 1 billion yuan, which is deemed insufficient for effective regulation of leading payment institutions [3]. - The regulations introduce a classification and rating system for non-bank payment institutions, emphasizing the importance of systemic risk management [4]. - The capital increase for payment institutions is influenced by transaction volumes and regulatory requirements, with Tenpay holding an 80-90% market share in offline mobile payments [4][7].
中航证券:RWA生态系统多样化 建议关注三大成长主线
智通财经网· 2025-06-11 08:27
Core Viewpoint - The report by Zhonghang Securities highlights the role of stablecoins in the Real World Assets (RWA) framework, emphasizing their functions in stabilizing pricing, enhancing liquidity, connecting DeFi, optimizing compliance, and attracting institutional funds [1][2] RWA Business and Regulation - RWA business involves the digitization of real-world assets into tokenized products, requiring clarity on asset value, ownership, and legal status [2] - The digitization process must comply with government regulatory frameworks if it involves securities [2] - Revenue sources are diversified, covering issuance, trading, and operational aspects, including issuance service fees, liquidity management returns, asset operation shares, and compliance pricing [2] - Hong Kong has proactively established a regulatory framework for virtual assets and stablecoins, with the Securities and Futures Commission releasing guidelines as early as 2018 [2] RWA Technology, Market, and Ecosystem - RWA utilizes blockchain technology to convert physical assets into tradable digital tokens, supported by a three-layer technology architecture: core architecture, middleware, and application layers [3] - According to Citibank's forecast, the market for tokenized digital securities could reach $4-5 trillion by 2030, while trade finance based on distributed ledger technology (DLT) may reach $1 trillion [3] - The industry forms a closed-loop ecosystem through collaboration, with asset issuers providing underlying value, technology service providers enabling digitization, liquidity providers activating markets, compliance parties ensuring legality, investors injecting funds, and support service providers maintaining operational safety [3] Investment Recommendations - Zhonghang Securities suggests focusing on three growth themes: blockchain + fintech, renewable energy + RWA, and cross-border payments [4] - Specific companies to watch include: - Blockchain + Fintech: Zhongke Jin Cai (002657.SZ), Sifang Jingchuang (300468.SZ), Shenzhou Information (000555.SZ), Yuxin Technology (300674.SZ), Hengbao Co., Ltd. (002104.SZ) [4] - Renewable Energy + RWA: Langxin Group (300682.SZ), GCL Energy Technology (002015.SZ) [4] - Cross-Border Payments: Hailian Jinhui (002537.SZ), Newland (000997.SZ), Lakala (300773.SZ), Xinguodu (300130.SZ), Tianyang Technology (300872.SZ) [4]
中企投资印尼有三大误区?|出海·投资
Sou Hu Cai Jing· 2025-06-11 08:14
图片来自视觉中国 作者|杨敏 发自新加坡 其次是加强粮食和能源安全。印尼正推动食用油、生物燃料等重点领域的产能扩张,并加快开发太阳能、水电等可再生 能源。"我们的目标是实现100%绿色能源供应,新首都努山塔拉也将实现完全由清洁能源供电。" 第三是印尼强调区域合作的重要性。他指出,印尼正推动东盟数字支付互联互通,并计划于今年8月在中国与日本之间 启动跨境支付试点。同时,印尼也在深化与地区伙伴在可持续发展方面的合作。 印尼有潜力在中美博弈之间,扮演 "中间人"的角色,帮助中国企业在合规前提下寻找更灵活的国际路径 …… 在全球经济不确定性加剧的背景下,印度尼西亚如何保持增长动能、优化政策环境、吸引外资,正成为区域各方关注的 焦点。新一届政府上台后,总统普拉博沃提出一系列新政策,包括强化主权基金运作、推进国企改革、发展绿色能源与 下游产业链,力图为印尼经济注入新动能。这些政策背后蕴含哪些机遇,又将面临怎样挑战? "印尼不仅拥有丰富的自然资源,更具备活力充沛的人力资本,为全球投资者提供了坚实的长期合作基础。"在6月4日于 新加坡举行的"亚洲愿景伙伴计划"(Asia New Vision Partnership,简称A3 ...
一带一路相关峰会陆续举行,铁路交通、支付系统等受关注
Xuan Gu Bao· 2025-06-11 07:09
Group 1: Events and Summits - The BRICS summit is scheduled to take place from July 6 to 7, 2025, in Rio de Janeiro, Brazil, as announced by the BRICS countries' news department [1] - The second China-Central Asia Summit will be held in June 2025 in Astana, Kazakhstan, following the first summit in Xi'an in May 2023, which marked a significant milestone in China-Central Asia relations [1] - The cooperation between China and Central Asian countries focuses on enhancing trade, transportation connectivity, and various sectors including agriculture and emergency management [1] Group 2: Payment Systems - BRICS countries are developing a digital payment platform named BRICS Pay, aimed at facilitating local currency settlements and financial transactions [2] - The BRICS Pay system is a decentralized multilateral cross-border payment system initiated by the BRICS Business Council in 2018, expected to be launched at the BRICS summit in October 2024 [2] - The introduction of BRICS Pay could deepen financial cooperation among member countries and accelerate the internationalization of the Chinese yuan [2] Group 3: Historical Performance - The People's Bank of China has issued a plan to enhance cross-border financial services, encouraging more banks to join the Cross-Border Interbank Payment System (CIPS) to support global trade and investment [3] Group 4: Related Stocks - A list of stocks potentially benefiting from the internationalization of the yuan has been compiled, including companies in cross-border trade and payment sectors [6]
百富蝉联支付卡行业安全标准委员会(PCI SSC)顾问委员会成员,以技术为基,合规优势稳固
Zhi Tong Cai Jing· 2025-06-11 06:43
而在通过认证后,A920Pro产品将在以下两个方面实现"进化"。首先是安全层面,可有效防范新型支付 欺诈风险。其次在便捷性层面,统一规范可以减少集成工作量,简化部署并降低整体成本;同时在迁移 过程中仍可兼容现有内核,确保运营连续性,从而实现无缝过渡。 广受欢迎背后,与百富环球在技术创新与合规领域深具优势有着密切联系。关于此,最近的例子莫过于 公司的旗舰安卓支付终端型号A920Pro顺利通过EMVCo(国际芯片卡及支付技术标准组织)C-8非接触式 支付规范认证。据了解,EMVCo C-8规范由全球主要支付网络企业联合制定,百富产品顺利通过认证 其意义不仅在于技术合规本身,同时也意味着公司的市场竞争力、商业信任与技术领导力得到了强有力 背书。 值得一提的是,百富环球同样也是EMVCo顾问委员会成员。身为该委员会成员,百富环球积极响应行 业迈向EMVCo C-8标准的趋势,早就前瞻性地根据EMVCo C-8标准优化了自身的产品。 随着电子支付的普及,支付效率得到了前所未有的提升。不过在支付行业里,效率从来不是唯一的追 求,支付安全才是真正意义上永恒的核心议题。对于电子支付终端供应商来说,品牌的可信赖度、产品 的安全 ...
央行深圳分行公示信息显示,财付通支付科技有限公司的注册资本已获批准增至223亿元。
news flash· 2025-06-11 06:42
央行深圳分行公示信息显示,财付通支付科技有限公司的注册资本已获批准增至223亿元。 ...
王兴再次回应“外卖大战”:坚决反对内卷,欢迎更多参与者|首席资讯日报
首席商业评论· 2025-06-11 03:56
1. 滴滴企业版发布"AI+一站式"解决方案 6月10日,在上海举办的企业出行服务峰会上,针对差旅流程割裂、体验断层、成本失控等行业痛点, 滴滴企业版宣布推出"AI+一站式"商旅解决方案。 "在经济持续向好、效率成生存刚需的当下,企业正进入'精准差旅'时代,技术也在倒逼商旅行业变 革。"滴滴企业服务事业群总经理蔡晓鸥介绍说,"滴滴企业版希望用技术重构商旅效率,更精确地管理 差旅路上的每一公里,提供更统一更全面的解决方案。"为此,滴滴企业版一站式商旅出行产品全新改 版,推出AI差旅助手、管理助手等内测,期望通过产品和技术的迭代带来更高效务实的智慧出行体验。 2.百度网盘、文库联合发布AI相机 6月10日,在百度AI Day开放日上,百度网盘、文库联合发布行业首个全模态输入、处理、输出的系统化完 整交付AI能力,推出行业首个"拍存管一体"的"AI相机",成为覆盖最全场景、拥有最全功能的全模态超级入 图为:滴滴企业服务事业群总经理蔡晓鸥在峰会中演讲 口。AI相机已在百度网盘APP上线,并已接入百度文库APP。百度文库还宣布多智能体协作能力"GenFlow超 能搭子"全新升级为2.0版本。AI重构后百度网盘、百度文库 ...
CoGoLinks结行国际大陆总部正式落地杭州
Sou Hu Cai Jing· 2025-06-11 03:52
Group 1 - CoGoLinks has officially established its mainland headquarters in Hangzhou, enhancing the city's digital trade development and cross-border service ecosystem [1][3] - Hangzhou government aims to build a global cross-border payment settlement center, supporting the global layout of cross-border payment institutions [3] - CoGoLinks is part of the Jiexing Technology Group, which has developed four core business sectors over 20 years, including smart payment and cross-border payment [1][4] Group 2 - Since its independent operation in 2019, CoGoLinks has become a strategic core of Jiexing Technology Group's global layout, entering the cross-border payment market in 2021 [4] - As of Q1 2025, CoGoLinks has established settlement channels for nearly 20 currencies, supporting over 80 cross-border trade platforms across more than 100 countries and regions [4] - The company serves over 210,000 cross-border trade digital stores, with clients spanning major cross-border e-commerce platforms and traditional foreign trade sectors [4][5] Group 3 - The transition of China's foreign trade from "goods export" to "enterprise going global" is accelerating, promoting the upgrade of Chinese manufacturing to "intelligent manufacturing" [4] - CoGoLinks aims to integrate into Hangzhou's digital trade ecosystem, leveraging government support to expand its cross-border payment services and improve service quality [5] - The company plans to actively participate in the construction of Hangzhou's global digital trade port core area, contributing to the development of the entire digital trade industry chain [5]