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XJB Digital · Yidian Lingxi Payment · Client Onboarding · 2026

Client Materials Checklist

A unified, clear guide for clients preparing to onboard to XJB Digital / Yidian Lingxi Payment Platform — pick the matching business type, submit once, we respond within T+2.
Document Version: v2.0
Issued: 2026 · 07 · 10
Audience: All prospective clients
Section One · Instructions

Instructions

  1. Locate the section that matches your business type
  2. Prepare the complete set of materials in one pass
  3. Upload and submit through the online form system
  4. 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.

CategoryItemNotes
Entity IdentityBusiness License / Certificate of IncorporationChinese & English (if offshore entity) · Color scan required
Entity IdentityCorporate Structure ChartShowing parent-subsidiary and shareholding relationships
Legal Rep KYCLegal Representative ID / PassportBoth sides · Valid for at least 6 months
UBO DeclarationUltimate Beneficial Owner (UBO) Identity ProofAny natural person holding 25% or more
Address ProofRegistered Address VerificationUtility bill or bank statement within the last 6 months
Bank AccountBeneficiary Bank Account DetailsBank name · SWIFT · IBAN · Account name
AML StatementAnti-Money-Laundering Compliance DeclarationTemplate provided by us
Business ComplianceBusiness Authenticity UndertakingTemplate provided by us
Section Three · By Business Type

By Business Type

1. Goods Trade Payment

Scenario: Offshore buyer paying a Chinese supplier for goods.
PriorityItemNotes
P0Sales ContractBilingual · Signed and stamped by both parties
P0Proforma Invoice (PI)Number · Currency · Amount · Validity
P0Commercial InvoiceAmount matches PI
P0Packing ListDescription · Quantity · Weight · Volume
P0Bill of Lading (B/L)Ocean B/L / Air AWB / Road CMR
P0Supplier Baseline InfoSupplier license + bank account
P1Customs DeclarationExport declaration · Import clearance docs
P1Insurance PolicyFor large or high-risk cargo
P2Inspection Certificate · Certificate of OriginCO / 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.).
PriorityItemNotes
P0Service AgreementBilingual · Clear scope, period and amount
P0Service ConfirmationProject milestones / acceptance records
P0InvoiceIssued by the service provider
P0Service Provider Baseline InfoLicense + bank account
P1Proof of DeliveryEmail threads / delivered files / screenshots
P2Tax Payment CertificateFrom 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.
PriorityItemNotes
P0Platform Store Backend ScreenshotsAmazon / eBay / Shopify / TikTok Shop, etc.
P0Platform StatementsAt least 3 months of transaction history
P0Store Ownership AuthorizationRequired if the operator is not the legal rep
P0Product ListSKU · Category · Quantity
P1Logistics DocumentsFirst-mile freight · Last-mile delivery
P2Advertising Spend RecordsIf cross-border ad fees are involved

4. Virtual Credit Card (VCC) Application

Scenario: Small cross-border spending, SaaS subscriptions, ad spend, trial-order payments.
PriorityItemNotes
P0Card Usage StatementSpecific use case (SaaS / ads / procurement, etc.)
P0Entity Baseline InfoSee Universal Baseline Materials above
P0Source of Top-Up FundsBank inbound screenshot / transfer receipt
P1Estimated Monthly LimitFor risk-control assessment
P2Merchant ListList of frequent merchants

5. Split Settlement (Large-Ticket)

Scenario: Single transaction amount is too large (> USD 1M) and must be routed across multiple channels.
PriorityItemNotes
P0Master Contract + Split ScheduleAmount, channel and beneficiary for each split
P0Trade Background for Each SplitPI / Invoice / Shipping Documents
P0Split Settlement ConsentSigned by the client
P0Source-of-Funds Compliance ProofBank / financing / shareholder loan
P1Hong Kong Virtual Account (VA) Onboarding DocsIf routing through HK
P2Tax Arrangement ConfirmationHK 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.
PriorityItemNotes
P0Business Background StatementDetailed description of business model · counterparty identity · fund flow
P0Proof of Business AuthenticityEmail / WeChat exchanges · delivery photos · customer acknowledgements
P0Compliance Declaration (our template)Client signature · undertaking of compliance and full legal liability
P0Source-of-Funds ProofBank statements (past 6 months)
P1Prior Cases of Similar BusinessCompleted trade cases previously handled
P2Legal Opinion LetterWhen 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:

ChannelDifferentiated Requirements
LianLian GlobalSplit-settlement scenarios require a "Split Settlement Confirmation"; Hong Kong account details
Yeepay InternationalMiddle East scenarios require "Counterparty Proof of Funds" (e.g., Dubai partner business license)
PingPongE-commerce scenarios require "Store Backend Data Export"
XunHuiLarge-ticket scenarios require a "Client Due Diligence Supplementary Questionnaire"
XTransferSmall, high-frequency scenarios accept a "Simplified Electronic B/L"
AirwallexAML 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

QuestionAnswer
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
Beijing / Mainland Clients
Wendy
Xingyao Jinbo (Beijing) Digital Technology Co., Ltd.
Central Asia / Kazakhstan Clients
Mr. Lin
Beijing Tiankun Shengda Technology Co., Ltd.
Strategic Partnerships
Grace Zhang
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.