Great idea, but if I can pay direct in HKD from USD MMF it would be a great story & bigger win for you & your customer as USD MMF always has much better rate that would encourage customer to put lot more money in and the exchange rate between HKD and USD is fixed so there should not be any/much risk for you

I encountered the same problem. When I opened my account, I could set a transfer limit of 1 million. The funds in my account were all for utility payments and transfers between my own account, with no third-party transactions. Four months later, without any reason, one day when I urgently needed money, the transfer limit was set to 10,000. I was very surprised. I communicated with customer service countless times, but it was not resolved. I could not request to close the account and was told that I needed to transfer out the funds. However, with a daily limit of 10,000, closing the account would take a very long time. Tianxing Bank's service is worrying. As of the time of writing this review, the problem is still not resolved, causing great inconvenience to my life.

I use several virtual banks in Hong Kong. Airstar bank is the worse among all. I use Airstar to do 3-4 transactions and my account got suspended for 2 months. I called the call centre and they said they don’t know the reason and don’t know when will Airstar unblock my account. The point is I still have some money inside. I can’t transfer it out. Trust me I don’t feel secure with this Airstar bank. Don’t put money inside this bank you money will be lock in the account like I did.

I’ve account at almost every virtual banks and a few with classical banks. But this bank rejected. First time I had this kind of bad experience. I don’t know why they did not approve account opening, they refused to tell me. I’m PR in HK and I’ve A+ credit note. System only asks HKID and selfie photo and standard information. So I don’t know on what basis they rejected me. My guess is; May be they do not like people with beard or they discriminate on Muslim names…Ibrahim E.C.