XTransfer：6年成就中国B2B外贸金融第一平台的秘诀

XTransfer：6年成就中国B2B外贸金融第一平台的秘诀

XTransfer: How to Become China's No.1 B2B Cross-Border Financial Platform in 6 Years

精准的准客户是谷歌竞价推广成功的关键因素之一。对于跨境支付行业而言，识别并锁定真正有需求的B2B外贸企业至关重要。

Accurate target customers are one of the key factors for successful Google Ads campaigns. For cross-border payment industry, identifying and targeting real B2B foreign trade enterprises with actual needs is particularly important.

近年来，以中小微企业群体为主参与的跨境电商外贸新业态持续火爆，而为中小微企业提供普惠便利服务的跨境支付企业，也受到市场人士越来越多的关注。

In recent years, the new cross-border e-commerce foreign trade model mainly participated by SMEs has been booming. Cross-border payment companies providing inclusive and convenient services for SMEs have attracted increasing market attention.

XTransfer（上海夺畅网络技术有限公司）就是跨境支付行业的代表性企业。这家由蚂蚁金服及阿里巴巴前离职员工创立的高新技术金融科技企业，在短短6年的时间里，已经成为行业当之无愧的龙头。

XTransfer (Shanghai Duochang Network Technology Co., Ltd.) is a representative enterprise in the cross-border payment industry. Founded by former Ant Group and Alibaba employees, this high-tech fintech company has become the undisputed industry leader in just 6 years.

6年耕耘成就跨境支付龙头

6 Years of Cultivation to Become the Cross-Border Payment Leader

XTransfer于2017年7月创立于上海。彼时，中国跨境电商产业正值蓬勃发展之际。海关总署数据显示，2017年通过海关跨境电商管理平台零售进出口总额达到902.4亿元，同比增长80.6%。

XTransfer was founded in Shanghai in July 2017. At that time, China's cross-border e-commerce industry was booming. Customs data shows that in 2017, the total retail import and export volume through the cross-border e-commerce management platform reached 90.24 billion yuan, a year-on-year increase of 80.6%.

经过几年时间的高速发展，XTransfer已经成长为一家专注为B2B外贸企业提供一站式跨境金融服务的平台企业，提供包括全球及本地收款账户、结汇提现、实时换汇、信用贷款、风控服务等在内的综合服务。

After years of rapid development, XTransfer has grown into a platform company focusing on providing one-stop cross-border financial services for B2B foreign trade enterprises, offering comprehensive services including global and local collection accounts, foreign exchange settlement and withdrawal, real-time currency exchange, credit loans, and risk control services.

专注服务中小微企业

Focus on Serving SMEs

成立6年来，尽管平台服务持续"扩容"，但XTransfer的服务始终专注于中小微企业。"我们对中小微企业的服务，让他们享受到和大型跨国集团企业同等水平的跨境金融服务。"XTransfer集团公共事务官张云轩如是说。

Over the past 6 years, although platform services have continued to "expand", XTransfer's services have always focused on SMEs. "Our services for SMEs allow them to enjoy the same level of cross-border financial services as large multinational corporations," said Zhang Yunxuan, Group Public Affairs Officer of XTransfer.

在XTransfer等互联网跨境金融服务平台出现之前，中小微企业在跨境交易中面临诸多难点。一方面，B2B模式交易具备小型化、碎片化等特点，交易时间更长，从沟通、定制、寻找供应商到发货、清关等，一笔交易往往长达数月。

Before the emergence of internet cross-border financial service platforms like XTransfer, SMEs faced many difficulties in cross-border transactions. On one hand, B2B model transactions have characteristics such as miniaturization and fragmentation, with longer transaction times. From communication, customization, finding suppliers to shipping and customs clearance, a transaction often takes months.

严格风控助力企业长期健康发展

Strict Risk Control Supports Long-term Healthy Development

"核心是风控能力。"当被问及XTransfer相较于同行的主要优势时，张云轩不假思索地说道。

"The core is risk control capability," Zhang Yunxuan said without hesitation when asked about XTransfer's main advantages over its peers.

XTransfer搭建了一支国际化的专业风控团队，依托庞大的风控数据库，建立并实施严格的内控制度和流程，依照国际合规、反洗钱及反恐融资的标准，对客户实行身份认证和尽职调查。

XTransfer has established an international professional risk control team, relying on a huge risk control database to establish and implement strict internal control systems and processes. According to international compliance, anti-money laundering and counter-terrorism financing standards, it conducts customer identity authentication and due diligence.

目前，XTransfer90%交易借助人工智能技术进行审核，AI一旦识别出可疑交易，风控团队将立刻进行回访核查。

Currently, 90% of XTransfer's transactions are reviewed using AI technology. Once AI identifies suspicious transactions, the risk control team will immediately conduct follow-up verification.

XTransfer在风控和技术上的实力获得权威机构的认可。2021年6月，公司获由公安部核准颁布的"信息系统安全等级保护三级认证"，这表明企业的信息安全管理能力达到行业最高标准。

XTransfer's strength in risk control and technology has been recognized by authoritative institutions. In June 2021, the company obtained the "Information System Security Level Protection Third-Level Certification" approved by the Ministry of Public Security, indicating that the company's information security management capabilities have reached the industry's highest standard.