合作方身份Partner identity
披露实际提供账户、付款、卡或换汇能力的主体，以及各自承担的角色。Disclose the entities actually providing account, payment, card or FX capabilities and each role.
安全与透明Trust and transparency
合作、资金与信息保护Partners, funds and data protection
合作关系、资金处理、数据使用和争议机制，都应有清楚的说明。Partner roles, fund handling, data use and dispute mechanisms should be clearly explained.
信息各归其位Information where it belongs
查找产品与条款说明Find product information and terms
付款方式说明适用用途与材料；隐私、费用和网站使用规则放在对应页面，方便需要时直接查找。Payment options explain purposes and documents. Privacy, pricing and website rules remain on their dedicated pages for direct reference.
查看付款方案View payment options查看法律信息View legal information资金路径Fund flow
解释用户资金经过谁、何时视为收到、何时可能退回，以及平台是否接触或持有资金。Explain who handles funds, when they are considered received, when they may be returned and whether the platform touches or holds them.
数据最小化Data minimization
只收集完成身份、用途、风险与服务所需的信息，并说明保存期限与共享对象。Collect only what is needed for identity, purpose, risk and service, with retention and recipients explained.
账户保护Account protection
采用分层验证、敏感操作确认、会话保护、日志与异常活动监控。Uses layered authentication, sensitive action confirmation, session protection, logs and anomaly monitoring.
付款可追踪Payment traceability
每笔付款保留报价、授权、状态、收款信息与关键处理记录。Retain the quote, authorization, status, payee details and material handling records for each payment.
争议与投诉Disputes and complaints
明确取消、退回、退款、错误付款、未到账与投诉的处理入口和时限。Defines channels and timelines for cancellation, returns, refunds, errors, non-delivery and complaints.
使用边界Usage boundaries
能力已经搭建，使用仍需对人、对事、对收款方。Capabilities are established; use remains specific to the person, purpose and payee.
资格、地区、限额和材料要求按具体产品与付款场景确认，不把受限能力写成无限制服务。Eligibility, regions, limits and document requirements are confirmed by product and payment scenario. Restricted capabilities are not presented as unrestricted services.