Multi-Currency Payment Infrastructure for Chinese Trading Companies

Multi-Currency Payment Infrastructure for Chinese Trading Companies

For Chinese trading companies, managing payments across multiple currencies remains a major operational challenge. Most global buyers and suppliers transact in USD or EUR, yet traditional banks still impose restrictions on non-resident accounts and force costly conversions into local currency.

This limits working capital, delays settlements, and increases FX exposure. A modern multi-currency payment infrastructure removes these barriers — giving Chinese trading companies direct access to USD, EUR, GBP, and USDC accounts under one compliant platform.

Why Multi-Currency Payment Infrastructure Matters for Chinese Trading Companies

Trading businesses often operate across multiple jurisdictions, managing both inbound client payments and outbound supplier settlements. Under conventional banking models, this means juggling several accounts, currencies, and intermediaries.

Key challenges include:

• Limited account access – Local entity requirements in the US or EU prevent opening foreign currency accounts.

• Slow settlement cycles – Payments can take three to five days to clear through correspondent networks.

• Hidden FX costs – Forced conversions and intermediary deductions can reduce margins by 2–4%.

• Liquidity fragmentation – Funds become trapped across different accounts and currencies.

A unified multi-currency payment infrastructure consolidates these flows into one system — allowing Chinese trading companies to operate globally with greater speed, efficiency, and financial visibility.

How Helm Provides Multi-Currency Payment Infrastructure for Chinese Trading Companies

Helm enables Chinese trading companies to receive, hold, and send payments across multiple currencies from one regulated platform. With access to USD, EUR, GBP, and USDC accounts, businesses can centralise global operations without opening local entities overseas.

Key features include:

• Dedicated multi-currency accounts – Open named USD, EUR, GBP, and USDC accounts under your company name.

• Instant settlement infrastructure – Receive and send payments globally within hours, not days.

• Integrated fiat and USDC management – Convert between digital and traditional currencies when strategically beneficial.

• Compliance-first operations – Fully verified under AML, KYC, and PSD2-aligned standards.

• Unified dashboard – Monitor balances, settlements, and conversions from a single secure interface.

The impact: Trading companies using Helm reduce settlement times from three to five days to under one hour, while cutting transaction costs by up to 3% and improving liquidity control across all currencies.

Get Started with Helm

Chinese trading companies can open a multi-currency business account with Helm to manage international payments seamlessly. Once verified, your business can collect, hold, and send USD, EUR, GBP, and USDC globally — all through one 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.