About Jinrong Xueyuan

01Who we are

What we do is narrow: teach ordinary people how to open an overseas bank or exchange account, how to move money in and out safely, and the bits of basic finance you need to know along the way. The readers we have in mind are people living abroad, or wanting to reach overseas financial services—maybe studying in Hong Kong, maybe preparing to move, maybe just wanting a multi-currency account to receive a payment from abroad.

There's no shortage of similar content out there, but a lot of it is either thinly veiled platform marketing or a guide written years ago and long out of date. We're trying for something else: treat every task as a concrete job, and write down exactly which step you get stuck on, what to prepare, and where things tend to go wrong.

02About the name "Zhou Yifan"

Articles here are signed "Zhou Yifan · Jinrong Xueyuan editorial team." One thing to be straight about: Zhou Yifan is a pen name, not a single real person. It's the shared byline our small editorial team uses publicly, so readers can tell it's the same group writing—that's all it is.

We don't invent titles, degrees, years in the field, or any credentials for this name. The "ten years in banking" or "certified financial planner" lines you often see elsewhere—we don't write any of that, because we don't hold those credentials.

03How we write

When we write a guide on opening an account or funding it, the approach is roughly this:

• Start from a real task—say, "I'm overseas and want a Hong Kong account to receive USD"—rather than explaining a concept in the abstract.
• Walk through the process ourselves, noting which step makes you wait, which one asks for extra documents, and where people commonly stall. Most of the warnings in an article are traps we or people around us actually hit.
• Where fees, rates or account requirements come up—the things that change—we note roughly when we checked, and we say it again and again: go by whatever the platform's own current page shows. Banks and exchanges change their rules often, and we can't promise to keep up with every detail.
• We don't write "guaranteed approval" or "sure profit." Whether you can open it, and whether it's worth it, is ultimately your call.

04Our relationship with platforms (disclosure)

This part has to be on the table. Jinrong Xueyuan is a promotional partner of Binance and similar platforms. When you sign up through our referral code or links and trade on the platform, it may pay us a referral at some rate. Our current Binance referral code is BNTIKTOK.

On this, three things we want you to be easy about:

• It doesn't add to your cost. The referral comes from the platform's own side, paid to the promoter; your fees don't go up because you used our link—with a referral code they often go down instead.
• It doesn't change how we write. Even with a referral relationship, we still say what the downsides are and still flag the risks. If a platform isn't right for a certain kind of reader, we say so plainly.
• The exact discount and referral rates and rules follow the platform's own current pages. These figures change at the platform's discretion; we make no promises about them.

We choose to put this relationship somewhere visible, rather than buried in small print in the footer, because we think readers have a right to know how a site keeps its lights on.

05How to reach us

For feedback, corrections or partnership, write to [email protected]. We especially welcome corrections—if you find that a fee, flow or policy in an article is out of date or inaccurate, please include the link you saw so we can check it. There's a fuller note on the Contact page.