To be honest, many people overlook a question: how far your funds can go depends on what level of keys you hold. An overseas bank account counts as one, a Hong Kong card counts as one, and an offshore brokerage account also counts as one. But the barriers to these things are getting higher and higher, especially in the past two years. It's not just address proof; there's also deposit thresholds, and reviews can take one or two months at a time. By the time you finish fussing around, the market has already moved on.