How Chinese Exporters Access USD and EUR Without a US Entity

For many Chinese exporters, receiving international payments in USD or EUR remains one of the biggest barriers to scaling globally. Traditional banks still require a local company registration, director, or physical presence in the US or EU before opening business accounts in these currencies.

This prevents exporters from accessing their preferred settlement currencies, forcing them to depend on intermediaries, slow collections, and costly conversions.

Modern financial infrastructure now provides a compliant alternative — enabling Chinese exporters to access USD and EUR accounts without setting up overseas entities.

Why Access to USD and EUR Matters for Chinese Exporters

Most international buyers prefer paying in their local currency, especially USD or EUR. When exporters cannot receive funds directly, they face several issues:

• Settlement delays caused by multiple intermediary banks.

• High conversion losses, often between 2–4% per transaction.

• Inconsistent payment references, complicating reconciliation.

• Reduced trust with overseas buyers, due to unclear or delayed receipts.

Access to named USD and EUR accounts removes these barriers, allowing Chinese exporters to receive and hold funds directly in foreign currency, control when conversions occur, and operate globally with the same efficiency as local companies.

How Helm Enables Chinese Exporters to Access USD and EUR Without a US Entity

Helm provides dedicated USD, EUR, GBP, and USDC business accounts designed for exporters operating from China and Hong Kong. These accounts can be opened without any overseas incorporation while maintaining full compliance with AML and KYC requirements.

Key features include:

• Named USD and EUR accounts – Collect payments from clients, distributors, and marketplaces directly under your company name.

• Instant settlement infrastructure – Receive funds within hours instead of waiting several days.

• Optional USDC settlement – Convert or settle digitally when faster transfers are required.

• Compliance-first onboarding – Verified and monitored under regulated standards.

• Unified treasury dashboard – Manage multiple currencies and payments securely from one interface.

The impact: Businesses using Helm reduce settlement times from three to five days to under one hour and remove up to 3% in intermediary and FX-related losses.

Get Started with Helm

Open a USD and EUR business account with Helm and start receiving payments globally — no overseas entity required. Once verified, your business can collect, hold, and manage funds in multiple currencies securely from a single compliant platform.

Start here: Open an account with Helm

About Helm

Helm is the financial operating system for global businesses. We provide USD, EUR, GBP, and USDC accounts, cross-border payments, multi-currency wallets, and global Visa cards — all built on licensed infrastructure with bank-grade compliance. Trusted by companies moving capital across 100+ countries, our partners include Stripe, Visa, and Bridge, enabling secure and scalable financial infrastructure worldwide.

Learn more at www.helmpay.co or contact us at hello@helmpay.co.