编审：孙喜增 12月30日，寒风裹着凉意笼罩安阳，农业银行安阳中原支行的大厅里却暖意融融，网点主任王爽正统筹 当日厅堂服务工作，内勤行长赵瑞林在柜台区域核查业务台账，全力保障年末业务高效有序办理。临近 中午，两位俄罗斯客户推门走进网点，神色略显茫然，手里攥着人民币现金和手机，用不太流利的中文 夹杂着手势沟通，却始终没能说清需求。王爽见状立刻主动上前接待，赵瑞林也随即赶来配合，两人一 边安抚客户情绪，一边借助翻译软件耐心沟通，很快弄清了原委。这两位客户是来安阳洽谈合作的，刚 收到合作方支付的人民币款项，想将现金兑换后充值到支付宝里，方便后续在当地的餐饮、出行消费， 可因语言不通、不熟悉国内支付规则，一直没能办成。知晓需求后，王爽和赵瑞林分工协作，严守外汇 业务及现金管理规范，先仔细核对两位客户的身份信息、确认兑换金额，赵瑞林负责现金清点、业务资 料录入，全程精准高效，确保每一步流程合规无误；王爽则全程陪同客户，同步用翻译软件细致沟通， 避免信息偏差。待人民币兑换流程办结，两人又手把手教客户操作支付宝，一步步演示充值步骤，反复 核对到账信息，生怕客户后续操作遇到难题。不多时，两位客户的支付宝便显示充值到账，悬在心 ...

Core Insights - XTransfer has obtained an Electronic Money Institution (EMI) license from the Dutch Central Bank (De Nederlandsche Bank, DNB) [1] - With the Dutch payment license, XTransfer can directly provide local accounts, cross-border settlement, and foreign exchange services to small and medium-sized trading enterprises in the Netherlands [1] - XTransfer is now a cross-border payment service provider holding both the UK API license and the Dutch EMI license [1]

Group 1 - XTransfer has obtained an Electronic Money Institution license from the Dutch Central Bank [1] - The Netherlands is China's second-largest trading partner in the EU [1] - The license allows XTransfer to provide local accounts, cross-border settlement, and foreign exchange services to small and medium-sized enterprises in the Netherlands [1] Group 2 - The services offered by XTransfer aim to reduce transaction costs and improve capital flow efficiency for local businesses [1]