Matt Teo

Matt Teo

Payments Industry Commentator | Financial Culture Researcher

BA in Economics, obsessed with payment history (collects antique banknotes). Publishes Sociology of Payments series on Caixin, revealing urban-rural gaps behind QR code payments. His World Currency Museum virtual exhibit garnered 1M+ views.

Latest Articles

Building US Credit from Scratch: Credit Card Application Tips for International Students and New Immigrants
Building US Credit from Scratch: Credit Card Application Tips for International Students and New Immigrants
Want to know how to apply for a US credit card without SSN? This guide provides detailed US credit card recommendations, teaching you how to build credit from zero using secured cards, student cards, or ITIN, and introduces application tips for virtual and physical cards to help you easily get your first card.
Ultimate Guide to Registering WeChat: Solving All Common Issues
Ultimate Guide to Registering WeChat: Solving All Common Issues
Having trouble registering WeChat? This guide provides detailed step-by-step instructions with images, teaching you how to quickly complete registration using a phone number. It also solves all common issues like not receiving verification codes, frequent operations, needing friend assistance for verification, helping you easily get a WeChat account.
Complete Guide for Chinese Nationals to Register a US Company: Step-by-Step from Scratch
Complete Guide for Chinese Nationals to Register a US Company: Step-by-Step from Scratch
Want to know how Chinese nationals can register a company in the US? This guide details every step from choosing company type (LLC/C-Corp) and registration state, to applying for a tax ID (EIN) and opening a bank account. No visa or in-person visit required—you can complete the entire process remotely from anywhere.
How Long Does It Take to Cash a US Check? Time and Fee Comparison for Different Cashing Methods
How Long Does It Take to Cash a US Check? Time and Fee Comparison for Different Cashing Methods
Want to know how long it takes for a US check to clear? Usually 1-2 business days. This article details time and fees for cashing methods like mobile apps, ATMs, bank counters, and Walmart, and provides a guide on how to write a US bank check to help you get your money quickly and safely.
Complete Guide to Alipay Recharge Overseas: Credit Cards and Third-Party Platforms Explained
Complete Guide to Alipay Recharge Overseas: Credit Cards and Third-Party Platforms Explained
Wondering how to recharge Alipay from overseas? This Alipay recharge tutorial provides a detailed comparison of binding overseas credit cards versus using third-party platforms, including pros, cons, fees, and limits. Whether you're traveling short-term or living abroad long-term, you'll find the safest and most suitable recharge solution for you.
How to Apply for a Wise Virtual Card in 2026: Wise Card Eligibility, Address Proof, Fees, and China Use Guide
How to Apply for a Wise Virtual Card in 2026: Wise Card Eligibility, Address Proof, Fees, and China Use Guide
Want to apply for a Wise virtual card? This 2026 guide explains Wise Card eligibility, why mainland China addresses usually cannot apply, supported countries, address proof, KYC, physical vs digital cards, fees, ATM limits, China payment options, and account risk rules.
Outlook for 2026: Investment Potential in China's Stock Market Driven by Corporate Profit Growth
Outlook for 2026: Investment Potential in China's Stock Market Driven by Corporate Profit Growth
Looking ahead to 2026, the investment potential in China's stock market will be driven by corporate profit growth. Based on the latest China news analysis, technological innovation, revaluation of state-owned enterprise value, and globalization going overseas are the three core themes, revealing structural opportunities for investors.
Understanding China's 2025 Remittance Policy Changes: Impact on International Students and Families
Understanding China's 2025 Remittance Policy Changes: Impact on International Students and Families
Planning to send money from China to the US in 2025? This article interprets the latest policies: the individual $50,000 annual quota remains unchanged, but banks have stricter requirements for proof of funds source and use for tuition and living expenses. Learn how to prepare documents, remit in batches to manage exchange rate fluctuations, and ensure smooth fund arrival.
Want to Learn How to Trade US Stocks? This Beginner Lazy Pack Helps You Get Started Quickly
Want to Learn How to Trade US Stocks? This Beginner Lazy Pack Helps You Get Started Quickly
Want to know how to trade US stocks? This 2026 beginner guide will teach you step-by-step from choosing an overseas broker to open an account, understanding trading rules and taxes, to buying your first index ETF, allowing you with zero foundation to easily get started and embark on your wealth growth journey.