I have been involved in investment for ten years, and I am familiar with A-shares and funds, but I have only been able to "watch from the sidelines" regarding US and Hong Kong stocks. When Tesla's stock price fell sharply two years ago, I wanted to buy the dip but got stuck at the account opening stage — the brokerage required proof of overseas bank card transactions, and it took three trips to the bank just to apply for the card. After half a month of hassle, there was still no news, and in the end, I could only watch the stock price rebound.

Last September, when a friend recommended B iy; aPay~, I initially had concerns: "Is it safe to deposit digital currency?" It wasn't until I saw the platform displaying its US MSB license and the fund custody agreement that I decided to invest $5,000. On the day of registration, after completing identity verification, I was contemplating making a deposit. On the APP homepage, I clicked "Transfer In," selected "On-chain Recharge," and the system automatically generated a USDT receiving address, thoughtfully providing a transfer tutorial as well. I transferred the corresponding amount of USDT from my digital wallet, stared at the screen for a few seconds, and three minutes later, a message popped up saying "Arrival Successful," faster than transferring money to my A-share account. After the funds arrived, I clicked "Flash Exchange," and the USDT was directly converted into cash in US dollars transferred to my trading account; the entire process took less time than it takes to brew a cup of tea.
On the day the Federal Reserve raised interest rates in November, I found through the real-time market data of B iy;aPay~ that a biotech stock I had been watching plummeted 7% during the session. I immediately placed an order to buy on the trading interface, and the system automatically prompted "The current exchange rate is optimal, saving you $23 in exchange fees." Less than two hours after the transaction, the stock price rebounded 3%, and I smiled and told the people around me: "This operation saved even the account opening time."
What makes me even more at ease is the convenience of switching between multiple markets and withdrawing funds. During the day, while watching the Hong Kong stock market, I transferred some funds to my HKD account to buy a new energy stock; at night, when the US stock market opened, I used my USD account to increase my position in a semiconductor leader. Before the Spring Festival, wanting to cash out for safety, I clicked on the "Withdraw" page, selected "Exchange for RMB," entered my domestic bank card number, confirmed the amount, and submitted. The system indicated that identity verification was needed, I entered the verification code received via email, and within 5 minutes it showed "Processing." The next morning, when I opened my mobile banking app, the money had already arrived, and the handling fee was only a few dozen yuan, which saved me nearly 200 yuan compared to the previous cross-border remittance, where the intermediary bank's fee alone was over 150 yuan.
"Managing accounts for three markets used to feel like working three jobs, but now with B iy;aPay~ it’s all handled by one APP." I pulled up my trading records to show my friend: over the past six months, I’ve completed 17 transactions, made deposits and withdrawals a dozen times, and not a single transaction went wrong. I also didn’t miss any opportunities due to system lag, and the customer service's explanation of the "fractional share trading rules" was even more professional than that of brokerage representatives. Recently, I’ve been studying how to use the platform's "investment plan" to layout in the European stock market. "Global asset allocation has finally transformed from a slogan to daily operations."