Articles

Plain-language articles on cross-border accounts, transfers, fees and verification.

What is ACH?

What ACH is, what it is used for, standard and Same Day ACH timing, and how it differs from cross-border options such as Wise, UnionPay and Hong Kong's FPS.

  • Money Transfer
  • US Banking
  • Cross-border Basics

Last reviewed: July 31, 2026

What does 'address' mean in finance?

Explains three kinds of addresses in finance — proof of address, account address and cross-border payee address — and why address is central to US account opening but usually not the focus of verification in China.

  • Verification
  • Cross-border Basics

Last reviewed: July 31, 2026