Last week, while helping a fren with opening a US stock account, I suddenly recalled the experience from last year that made me want to throw my phone.

At that time, I had just made a little money in the crypto market and was tempted by Tesla's stock price, wanting to transfer USDT over to test the waters. First, I looked for a broker and filled out seven or eight forms; it took three days just to provide proof of address—bank statements didn't work, rental contracts didn't work, and in the end, I barely passed with a credit card bill. After getting approved, I got stuck at the offshore account stage, and during the currency exchange, the bank questioned me like they were checking household registration. It took half a month, and I missed the market movement.

Until last month, I stumbled upon @BIYAPAYOFFICIAL and downloaded the app with the mindset of giving it a try. I deposited 5000 USDT, clicked to exchange for US dollars, and then searched for the Tesla code; the entire process took ten minutes to complete. While placing the order, I watched the real-time fluctuating K-line and suddenly felt that this is the tool for people in the crypto world—no lengthy reviews, no convoluted currency exchange processes, just as natural as transferring from one wallet to another.

Last Friday was amazing, a friend in Europe was in a hurry to get some money, so I converted USDT to euros in the app and sent it over; he received it in the afternoon. It reminded me of the times when I used traditional bank transfers, where I not only had to fill out the SWIFT code but also waited 3 days, and the fees deducted nearly $200. Suddenly, I feel like I've saved a lot of trouble in the past six months.

Yesterday, when I opened the APP, I saw a feature called "Broker Transfer". I tried transferring some funds to Charles Schwab, and the speed of the transfer was faster than I expected. My fren came over to take a look and said if he had this tool when he opened his account, he wouldn't have missed that wave of new energy market.

However, the customer service repeatedly reminded me to download the APP from the official website and not to use those off-market channels. There are too many counterfeit versions now; I heard last week that someone was scammed by a fake link, but fortunately, I have always used the official channel.

Lying in bed at night, watching the K-lines of the cryptocurrency market and US stocks fluctuate in the same app, I suddenly feel that the anxiety of currency exchange and account opening in the past seems really unnecessary.

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