Section One · Instructions
Instructions
- Locate the section that matches your business type
- Prepare the complete set of materials in one pass
- Upload and submit through the online form system
- We process via a tiered review workflow — typically results within T+2
Section Two · Universal Baseline Materials
Universal Baseline Materials
Required for all business types.
| Category | Item | Notes |
|---|---|---|
| Entity Identity | Business License / Certificate of Incorporation | Chinese & English (if offshore entity) · Color scan required |
| Entity Identity | Corporate Structure Chart | Showing parent-subsidiary and shareholding relationships |
| Legal Rep KYC | Legal Representative ID / Passport | Both sides · Valid for at least 6 months |
| UBO Declaration | Ultimate Beneficial Owner (UBO) Identity Proof | Any natural person holding 25% or more |
| Address Proof | Registered Address Verification | Utility bill or bank statement within the last 6 months |
| Bank Account | Beneficiary Bank Account Details | Bank name · SWIFT · IBAN · Account name |
| AML Statement | Anti-Money-Laundering Compliance Declaration | Template provided by us |
| Business Compliance | Business Authenticity Undertaking | Template provided by us |
Section Three · By Business Type
By Business Type
1. Goods Trade Payment
Scenario: Offshore buyer paying a Chinese supplier for goods.
| Priority | Item | Notes |
|---|---|---|
| P0 | Sales Contract | Bilingual · Signed and stamped by both parties |
| P0 | Proforma Invoice (PI) | Number · Currency · Amount · Validity |
| P0 | Commercial Invoice | Amount matches PI |
| P0 | Packing List | Description · Quantity · Weight · Volume |
| P0 | Bill of Lading (B/L) | Ocean B/L / Air AWB / Road CMR |
| P0 | Supplier Baseline Info | Supplier license + bank account |
| P1 | Customs Declaration | Export declaration · Import clearance docs |
| P1 | Insurance Policy | For large or high-risk cargo |
| P2 | Inspection Certificate · Certificate of Origin | CO / Form A / SGS Report |
For large-ticket (> USD 1M) add:
- Split Settlement Plan: client signs an "Installment Payment Consent"
- Source-of-Funds Proof: bank deposit certificate / credit line / financing agreement
2. Service Trade Payment
Scenario: Offshore client paying a Chinese service provider (consulting / design / SaaS subscription / IT outsourcing / advertising, etc.).
| Priority | Item | Notes |
|---|---|---|
| P0 | Service Agreement | Bilingual · Clear scope, period and amount |
| P0 | Service Confirmation | Project milestones / acceptance records |
| P0 | Invoice | Issued by the service provider |
| P0 | Service Provider Baseline Info | License + bank account |
| P1 | Proof of Delivery | Email threads / delivered files / screenshots |
| P2 | Tax Payment Certificate | From service provider's jurisdiction |
3. Cross-Border E-Commerce
Scenario: Cross-border e-commerce sellers collecting proceeds from offshore platforms, or platforms paying out to sellers.
| Priority | Item | Notes |
|---|---|---|
| P0 | Platform Store Backend Screenshots | Amazon / eBay / Shopify / TikTok Shop, etc. |
| P0 | Platform Statements | At least 3 months of transaction history |
| P0 | Store Ownership Authorization | Required if the operator is not the legal rep |
| P0 | Product List | SKU · Category · Quantity |
| P1 | Logistics Documents | First-mile freight · Last-mile delivery |
| P2 | Advertising Spend Records | If cross-border ad fees are involved |
4. Virtual Credit Card (VCC) Application
Scenario: Small cross-border spending, SaaS subscriptions, ad spend, trial-order payments.
| Priority | Item | Notes |
|---|---|---|
| P0 | Card Usage Statement | Specific use case (SaaS / ads / procurement, etc.) |
| P0 | Entity Baseline Info | See Universal Baseline Materials above |
| P0 | Source of Top-Up Funds | Bank inbound screenshot / transfer receipt |
| P1 | Estimated Monthly Limit | For risk-control assessment |
| P2 | Merchant List | List of frequent merchants |
5. Split Settlement (Large-Ticket)
Scenario: Single transaction amount is too large (> USD 1M) and must be routed across multiple channels.
| Priority | Item | Notes |
|---|---|---|
| P0 | Master Contract + Split Schedule | Amount, channel and beneficiary for each split |
| P0 | Trade Background for Each Split | PI / Invoice / Shipping Documents |
| P0 | Split Settlement Consent | Signed by the client |
| P0 | Source-of-Funds Compliance Proof | Bank / financing / shareholder loan |
| P1 | Hong Kong Virtual Account (VA) Onboarding Docs | If routing through HK |
| P2 | Tax Arrangement Confirmation | HK tax filing or onshore FX settlement |
6. Non-Standard Business · Documentation Compliance Service
Scenario: The underlying business is compliant but standard trade documents are missing (the client's product or service is real, but clearance difficulties, platform restrictions and similar issues make it impossible to produce a full document set).
Important: These cases require risk-control second review upfront — we decide whether to accept the case after evaluation.
| Priority | Item | Notes |
|---|---|---|
| P0 | Business Background Statement | Detailed description of business model · counterparty identity · fund flow |
| P0 | Proof of Business Authenticity | Email / WeChat exchanges · delivery photos · customer acknowledgements |
| P0 | Compliance Declaration (our template) | Client signature · undertaking of compliance and full legal liability |
| P0 | Source-of-Funds Proof | Bank statements (past 6 months) |
| P1 | Prior Cases of Similar Business | Completed trade cases previously handled |
| P2 | Legal Opinion Letter | When disputed jurisdictions are involved |
Section Four · Channel Supplements
Channel-Specific Supplementary Requirements
Once matched to a specific channel, we will add the channel provider's own requirements:
| Channel | Differentiated Requirements |
|---|---|
| LianLian Global | Split-settlement scenarios require a "Split Settlement Confirmation"; Hong Kong account details |
| Yeepay International | Middle East scenarios require "Counterparty Proof of Funds" (e.g., Dubai partner business license) |
| PingPong | E-commerce scenarios require "Store Backend Data Export" |
| XunHui | Large-ticket scenarios require a "Client Due Diligence Supplementary Questionnaire" |
| XTransfer | Small, high-frequency scenarios accept a "Simplified Electronic B/L" |
| Airwallex | AML declaration + detailed UBO information form |
Section Five · Submission Flow
Submission Flow
Client registers a Yidian Lingxi Payment Platform account
Select business type · System displays the matching materials checklist
Upload all materials (drag-and-drop · PDF / images supported)
System OCR pre-check · Flags anything missing
Submit in one go
Wendy — First Review (completeness + initial compliance check)
Grace — Second Review (business substance + channel matching)
Mr. Lin — Risk Control (large-ticket / sensitive / non-standard)
Quote issued · Client confirms
Client pays · We push the channel forward
T+2 to T+7 — Funds movement completes
We issue the settlement statement
Section Six · FAQ
FAQ
| Question | Answer |
|---|---|
| Do materials have to be bilingual (Chinese & English)? | Core compliance documents are recommended to be bilingual; routine trade documents can be submitted in their original language. |
| Can materials be submitted in batches? | Aim to submit everything in the first pass; additional materials can be added later at the channel provider's request. |
| How is confidentiality handled? | Stored strictly under KYC / AML compliance rules and destroyed after 5 years; never used for any other purpose. |
| How long does processing take? | Standard business — quote within T+2; non-standard cases depend on complexity. |
| Does the quote match the final fee? | Yes — we quote a single all-inclusive price with no hidden charges. |
| How can I accelerate a large-ticket case? | Book a risk-control review at least 5 working days in advance. |
Section Seven · Contact Us
Contact Us
Middle East (Dubai) Clients
CHAI
Dubai Office
Dubai Office
Beijing / Mainland Clients
Wendy
Xingyao Jinbo (Beijing) Digital Technology Co., Ltd.
Xingyao Jinbo (Beijing) Digital Technology Co., Ltd.
Central Asia / Kazakhstan Clients
Mr. Lin
Beijing Tiankun Shengda Technology Co., Ltd.
Beijing Tiankun Shengda Technology Co., Ltd.
Strategic Partnerships
Grace Zhang
Strategic
Strategic
Closing note: A clean, complete document package is the fastest path through review. Prepare per this checklist, submit once, and we will track the case end-to-end.