The future banking experience is quite good, with 50 free cross-border transfers per month, which is really attractive, although the 200,000 limit is a bit tight. Recently, foreign exchange deposits have also become completely free, and this improvement is quite significant.

A few days ago, I tried withdrawing from a certain wallet. The withdrawal was initiated at 2:00 AM on January 8th and arrived by the morning of January 9th — with zero fees. Except for 500 USDC, the amount received was exactly 500 USD, and the system automatically handled tax reporting (marked as selling foreign virtual assets), which is very convenient.

I also compared the exchange rates. At that time, the spot USD exchange rate was 31.587 TWD, while a certain platform’s USDC quote was 31.7, a difference of about 0.35%. Overall, the costs are quite competitive, especially with the fee waiver, which can save a lot of money for those who frequently deposit and withdraw.