预充值模式Prepaid model
商户以预充值获得可用余额，平台不提供授信、不做后结算。资金敞口从商业模式上被消除，而不是事后补救。Merchants hold a prepaid balance; the platform extends no credit and settles nothing post-facto. Exposure is eliminated by the business model, not patched afterwards.
信任应当建立在可验证的事实上Trust should rest on verifiable facts
我们公示牌照与监管信息、说明资金持有方式、公开风控与 AML 框架，并在尽职调查中提供核验文件。正式表述以监管机构公示为准。We publish licence and regulatory information, explain how funds are held, disclose our risk and AML framework, and provide verification documents during due diligence. Official statements follow regulator records.
牌照与监管Licences & regulators
持牌持有资金，合作承接未持牌辖区Licensed where we hold funds, partnered where we are not
在牌照允许的辖区，商户资金由持牌主体直接持有并承担对应责任；未持牌辖区通过持牌合作方承接，责任边界在合同中明确。In licensed jurisdictions merchant funds are held directly by the licensed entity, which bears the corresponding responsibilities; elsewhere corridors run through licensed partners with clearly contracted liability.
核验方式：牌照信息以各监管机构官方公示为准。商户与合作方可在尽职调查流程中索取牌照复印件、注册文件与资金安排说明；我们也可配合发起对监管数据库的直接核验。
Verification: licence details follow the official records of each regulator. Merchants and partners may request licence copies, incorporation documents and custody arrangements during due diligence; we also support direct checks against regulator databases.
资金安全Fund safety
四层安排，管好每一笔商户资金Four layers protecting every unit of merchant money
独立隔离记账Segregated ledger
商户资金与平台自有资金分账核算；资金持有范围与牌照核准范围保持一致，不做牌照之外的资金业务。Merchant funds are accounted for separately from platform assets; the scope of custody matches the licence scope — no out-of-perimeter money business.
复式账本引擎Double-entry engine
每一笔资金变动生成分录，借贷强制平衡；禁止直接修改余额，调账只能以新分录完成。Every movement produces entries with forced debit-credit balance; direct balance edits are impossible — adjustments can only be new entries.
每日自动对账Daily reconciliation
每日将已支付订单、账本分录与通道/链上数据自动核对，差异生成待办并留痕处理。Paid orders, ledger entries and channel/chain data are matched daily; breaks become tracked to-dos with an auditable resolution path.
AML / KYC / 风控Risk
知道每一笔钱的来处与去处Know the source and destination of every payment
我们只服务合规的互联网商户，不服务受制裁或高风险行业。准入、持续监控与出金三条线上都有控制点。We serve compliant internet merchants only — no sanctioned or high-risk industries. Controls sit on all three lines: onboarding, ongoing monitoring and outbound funds.
- 商户准入 KYBMerchant KYB — 营业执照、受益所有人、业务模式与预计交易量审核，状态机管理全生命周期（含限制与关停）。Incorporation, beneficial owners, business model and expected volume, with a state machine covering the full lifecycle including restriction and closure.
- 制裁与 PEP 筛查Sanctions & PEP screening — 商户、收款人与关联方按名单库筛查，命中即冻结并人工复核。Merchants, recipients and related parties are screened against sanctions/PEP lists; hits freeze the flow for manual review.
- 出金控制Outbound controls — 代付收款人核身与风险评分；USDT 提现地址白名单、首次地址冷静期与链上风险筛查。Recipient verification and risk scoring for payouts; whitelisting, first-address cooling and on-chain screening for USDT withdrawals.
- 全程留痕Full audit trail — 登录、审核、费率变更、调账、通道配置等运营操作全部写入审计日志。Logins, reviews, rate changes, adjustments and channel changes all land in the audit log.
USDT 业务的合规边界Compliance boundary of the USDT rail
Stablecoin-adjacent, not an issuer
我们明确区分「使用稳定币结算」与「发行稳定币」：平台不发行、不承销任何稳定币或代币；USDT 仅作为商户余额的出金与结算轨道之一，不面向终端消费者开放 USDT 收款或支付；同时与法币出金轨道并存，按成本、限额和到账时间路由。我们不因「不发行代币」而假设豁免监管义务——支付、货币服务与资金转移相关义务按目标市场逐项落实。 We keep a strict line between using stablecoins for settlement and issuing them: the platform does not issue or underwrite any stablecoin or token. USDT is only one of the settlement rails for merchant balances and is never offered to end consumers for payments; the fiat rail remains available and routes by cost, limits and speed. Not issuing a token is never treated as a licence to skip obligations — payment, money-service and transfer duties are implemented market by market.
FAQ
常见问题Frequently asked questions
为什么要预充值？后结算不行吗？Why prepaid balances instead of post-settlement?
预充值让平台在不提供授信的前提下运营：商户资金始终先于服务存在，平台不存在「垫资—追偿」的信用风险，也不会把通道风险转嫁给其他商户。这让我们能把精力放在通道质量与对账准确性上。Prepaid balances let the platform operate without extending credit: funds exist before services are rendered, so there is no credit or recovery risk and no pass-through of channel risk onto other merchants. It keeps our focus on corridor quality and reconciliation accuracy.
我的资金放在哪里？如何做到隔离？Where are my funds held, and how are they segregated?
在持牌辖区，商户资金由持牌主体接收并持有，与平台自有资金分账核算；账本层面每笔资金变动都有独立分录。具体持有主体、银行与通道安排在商户协议中逐项写明，并可在尽调时核验。In licensed jurisdictions funds are received and held by the licensed entity, accounted separately from platform assets, with a dedicated ledger entry per movement. The holding entity, banking and channel arrangements are specified in the merchant agreement and verifiable in due diligence.
USDT 提现合规吗？会不会有监管风险？Are USDT withdrawals compliant?
USDT 仅用于商户余额出金，不面向终端消费者，平台也不发行任何代币。我们按目标市场落实支付与资金转移相关义务：地址白名单、冷静期、链上筛查、TxHash 追踪与三方对账，并在未持牌相关义务的辖区通过持牌合作方承接。监管边界的变化会被持续跟踪并反映到产品开关上。USDT is used solely to disburse merchant balances — never offered to consumers — and the platform issues no tokens. We implement market-specific payment and transfer duties: whitelisting, cooling periods, on-chain screening, TxHash tracing and three-way reconciliation, using licensed partners where obligations exceed our licences. Regulatory changes are tracked and reflected in product switches.
你们会在哪些国家开通？我的国家什么时候支持？Which countries will you open, and when mine?
开通顺序由三个条件决定：上游通道在该国的能力、平台在该市场的合规与牌照安排、该国商户需求密度。巴西 Pix 已开通，菲律宾、泰国、美国等在推进中。告诉我们你的目标国家与业务模式，我们会反馈当前的可行性评估。Corridor order follows three criteria: upstream capability in the country, our licensing/compliance arrangement there, and merchant demand density. Brazil Pix is live; the Philippines, Thailand and the US are in progress. Tell us your target countries and model — we will share a current feasibility read.
平台出问题怎么办？争议与赔付如何处理？What happens if something goes wrong — disputes and recourse?
责任边界在商户协议中逐项写明：收款主体、资金持有方式、退款责任、通道失败与资金冻结的处理流程。所有操作留有审计日志，对账差异可追溯；商户可通过后台工单与专属支持通道发起争议处理。Liability boundaries are spelled out in the merchant agreement: collection entity, custody arrangement, refund responsibility, and procedures for channel failures and fund freezes. Everything is audit-logged and reconciliation breaks are traceable; merchants can raise disputes via dashboard tickets and dedicated support.
监管声明：本页所述服务范围、牌照状态与责任安排为概括性说明，不构成法律意见。具体服务的可用性以商户协议及其附件为准；不同国家/地区对支付、货币服务与资金转移的监管要求不同，Apex Payment 会在开展业务前取得相应许可或通过持牌合作方承接。若您需要核验任何牌照或注册信息，请联系 compliance@apexpayment.com。Regulatory statement: the service scope, licence status and responsibilities described here are a summary and not legal advice. Availability is governed by the merchant agreement and its annexes; regulatory requirements for payments, money services and fund transfers differ by country, and Apex Payment obtains the necessary authorisations or engages licensed partners before operating. To verify any licence or registration, contact compliance@apexpayment.com.
需要牌照核验文件或尽调材料？Need licence verification or due-diligence documents?
合规团队可配合银行、合作方与大商户的尽调流程，提供牌照、注册与资金安排说明文件。Our compliance team supports bank, partner and enterprise due diligence with licence, incorporation and custody documentation.