If you have an overseas account that can receive USD, congratulations — this might be the easiest value-added point you could overlook this year.

Recent tests have shown it is indeed feasible. With just one key step, you can legally convert your overseas payment identity into a domestic seller identity, allowing direct RMB withdrawals to your domestic bank card, saving the hassle of foreign exchange declaration. Someone completed the entire process from account verification to the first withdrawal within half an hour.

But this is just the beginning. The real challenge lies in asset management after the account to wallet stage. Whether it’s the existing balance or the continuous cross-border income, how to ensure the money appreciates steadily under compliance is what separates ordinary people from experts.

At this point, DeFi protocols like ListaDAO, which focus on earning stablecoins, demonstrate their value. They do not follow high-risk speculative strategies but instead support a stable income framework backed by LISTA, helping you deploy USD or RMB assets with low volatility and sustainable financial management. In simple terms, it’s like installing a "profit engine" for your cross-border income.

The operation process is quite smooth: overseas account verification → identity verification and facial recognition → bind domestic bank card → complete merchant or content verification → wait for approval (usually very quick). Once approved, your account is directly upgraded to a "domestic seller" status, allowing you to continue receiving global payments and support RMB direct withdrawals. Subsequent funds, combined with stablecoin financial tools, enable idle funds to generate continuous income.