So cross-border infrastructure without Hong Kong banks

is incomplete.

Quote @qiweiying: I just saw @ygkkkg say they couldn't find a reason to apply for the Industrial Bank Global Life Card, and it reminded me why I applied for it. Back then, I had just started getting into U cards and cards like Wise. I’d actually signed up for Wise last year, but I was stuck at the step where I needed to deposit funds to activate it. Unfortunately, I didn’t have a Hong Kong bank card or any U cards at the time, so I went to YouTube to search, and…