离岸EMI（电子货币机构）的崛起

Definitely seeing the same trend. The speed and lower fees for cross-border transactions are a huge draw for our clients, especially those dealing with multiple currencies regularly.

For us, the biggest pro is the API integration capabilities many EMIs offer. It automates a lot of our financial operations, which traditional banks are often slow to adopt.

Agreed on the multi-currency holding benefit. It simplifies so much for international businesses. The main con I've encountered is the occasional lack of advanced lending or complex treasury services that banks offer.

The regulatory oversight is the key. While they're regulated, the perception of security might still be a hurdle for some clients compared to established banks with deposit insurance. Is that something you've had to address?

I'm curious about the 'easier to onboard' part. While some EMIs might seem quicker, the due diligence for high-volume accounts can still be quite rigorous, perhaps even more so in certain jurisdictions.