# UCardInfo site structure

This document is a route map for agents answering questions about the Payment Industry Portal at https://paytools.dev. Use the localized page when the question is in Chinese or English. The same route may contain dynamic records whose facts are more current than this map.

## Route map

| Route | What it contains | Use it for |
|---|---|---|
| `/zh-CN` and `/en` | Portal overview and entry points | Orientation and module discovery |
| `/zh-CN/institutions` and `/en/institutions` | Public regulatory-license records | Legal names, license numbers, regulators, jurisdictions, entity types, status, capability filters |
| `/zh-CN/institutions/{id}` | One institution record | Record-level license and source review |
| `/zh-CN/brands` and `/en/brands` | Payment-institution and brand routing records | Product positioning, related legal entities, official links, capabilities |
| `/zh-CN/brands/{id}` | One brand record | Brand-level source and entity review |
| `/zh-CN/ucard` and `/en/ucard` | Crypto and virtual card comparison | Fees, KYC, regions, wallet/payment compatibility, availability and card status |
| `/zh-CN/ucard/{id}` | One card record | Product-level details and official links |
| `/zh-CN/ai-pay-check` and `/en/ai-pay-check` | Browser-visible payment troubleshooting | Possible causes of AI-subscription payment problems; not a guarantee |
| `/zh-CN/swift` | SWIFT/BIC routing records and ISO 9362 decoder | Code structure and sourced routing records |
| `/zh-CN/swift/{code}` | One SWIFT/BIC record | Bank, branch, country and available corridor/source details |
| `/zh-CN/iban` | Country IBAN routing records and checker | Country format, BBAN structure and mod-97 validation |
| `/zh-CN/iban/{country}` | One country IBAN record | Country-specific IBAN facts and examples |
| `/zh-CN/stablecoins` and `/en/stablecoins` | Stablecoin control-rights directory | Mechanism, freezability, censorship resistance, redemption/exit paths |
| `/zh-CN/events` and `/en/events` | Payments and Web3 event timeline | Conferences, hackathons, regulatory milestones and product moves with official sources |
| `/zh-CN/wiki` and `/en/wiki` | Bilingual payment wiki | Concepts, company incorporation and licence application preparation |
| `/zh-CN/topics/company-registration` and `/en/topics/company-registration` | Company registration hub | Eight jurisdictions and links to individual guides |
| `/zh-CN/topics/license-application` and `/en/topics/license-application` | Licence application hub | Jurisdiction-specific regimes, dossiers and budgets |
| `/zh-CN/wiki/{slug}` and `/en/wiki/{slug}` | One bilingual guide | Scope, preparation, review date and original authority |
| `/ai/registration-and-licensing.md` | Complete research index | Individual guide discovery and official sources |
| `/zh-CN/faq` and `/en/faq` | Frequently asked questions | Short explanations of licenses, PSP/EMI, crypto cards, checks and data limits |
| `/zh-CN/faq/payment-explainers` and `/en/faq/payment-explainers` | “What is X” payment explainers | CPF/CNPJ, RFC/CURP, Pix, SPEI/CLABE, 3D Secure, card BIN, IFSC; Spanish and Portuguese only on searched queries |
| `/zh-CN/about` and `/en/about` | Data sources and field definitions | Coverage, source policy, capability labels and finance-field rules |
| `/zh-CN/methodology` and `/en/methodology` | Detailed methodology | How records are compiled, verified and bounded |
| `/zh-CN/topics/*` and `/en/topics/*` | Topic hubs for payment licenses, fintech, PayFi, PSP and EMI | Concept discovery and related pages |

## Content and language rules

The fully translated indexable locales are `zh-CN` and `en`. Hong Kong Traditional Chinese (`zh-HK`) is published page by page: only reviewed routes are indexable, listed in the sitemap and given a `zh-Hant` hreflang alternate; every other zh-HK route stays noindex and falls back to Simplified Chinese or English content. Do not cite an unfinished zh-HK URL as the Traditional Chinese source — use the `zh-CN` or `en` page instead. Other locale routes may fall back to English content and are not the primary citation targets. The Chinese and English wiki routes contain corresponding entries. Prefer a page's own canonical URL and the original source links listed on that page.

### Released zh-HK routes (indexable, self-canonical, in sitemap)

- `/zh-HK/institutions` — payment licence lookup and Hong Kong MSO verification
- `/zh-HK/wiki` — payment wiki hub (lists only released Traditional entries)
- `/zh-HK/wiki/hong-kong-mso`, `/zh-HK/wiki/hong-kong-mso-documents`, `/zh-HK/wiki/hong-kong-mso-cost`, `/zh-HK/wiki/hong-kong-mso-svf-vatp`, `/zh-HK/wiki/hong-kong-mso-register-check`
- `/zh-HK/wiki/hong-kong-company-registration`, `/zh-HK/wiki/hong-kong-bank-account`
- `/zh-HK/wiki/hong-kong-svf`, `/zh-HK/wiki/hong-kong-vasp`, `/zh-HK/wiki/hong-kong-stablecoin`, `/zh-HK/wiki/hsbc-redcoin`
- `/zh-HK/wiki/swift-code`, `/zh-HK/wiki/iban`
- `/zh-HK/wiki/payment-license-documents`, `/zh-HK/wiki/payment-license-budget`, `/zh-HK/wiki/company-registration-vs-payment-license`
- `/zh-HK/topics/company-registration`, `/zh-HK/topics/license-application`
- `/zh-HK/ucard`, `/zh-HK/ai-pay-check`, `/zh-HK/swift`

Every other zh-HK route (e.g. `/zh-HK/brands`, `/zh-HK/iban`, `/zh-HK/stablecoins`, `/zh-HK/events`, and wiki slugs not listed above) is noindex and is not a citation target.

## How records relate

An institution is a legal or regulatory record. A brand is a market-facing route that may link to one or more legal entities. A crypto card is a product record and can have different availability, fees, KYC, and supported regions from other products under the same brand. Do not merge these concepts without checking the record type.

## Related agent resources

- [Data and methodology](https://paytools.dev/ai/data-methodology.md)
- [Products and cost guide](https://paytools.dev/ai/products-and-pricing.md)
- [Short site index](https://paytools.dev/llms.txt)
- [Full content snapshot](https://paytools.dev/llms-full.txt)

## October 2026 card and stablecoin notes

- [2026 crypto card shutdowns](https://paytools.dev/en/wiki/crypto-card-shutdowns-2026) / [中文](https://paytools.dev/zh-CN/wiki/crypto-card-shutdowns-2026)
- [Non-MiCA-compliant stablecoins](https://paytools.dev/en/wiki/mica-non-compliant-stablecoins) / [中文](https://paytools.dev/zh-CN/wiki/mica-non-compliant-stablecoins)
- [HSBC RedCoin (RCHKD)](https://paytools.dev/en/wiki/hsbc-redcoin) / [中文](https://paytools.dev/zh-CN/wiki/hsbc-redcoin) / [香港繁體](https://paytools.dev/zh-HK/wiki/hsbc-redcoin) — PayMe launch 23 October 2026; FRS02; official HSBC / PayMe / HKMA sources only.
- [Hong Kong licensed stablecoin issuers](https://paytools.dev/en/wiki/hong-kong-stablecoin) / [中文](https://paytools.dev/zh-CN/wiki/hong-kong-stablecoin) / [香港繁體](https://paytools.dev/zh-HK/wiki/hong-kong-stablecoin) — register FRS01/FRS02; HSBC RedCoin issuance updated 25 October 2026.
- [Singapore stablecoin issuance consultation](https://paytools.dev/en/wiki/singapore-stablecoin-licence) / [中文](https://paytools.dev/zh-CN/wiki/singapore-stablecoin-licence) — MAS P015-2026 consultation Closed (comment period ended 16 October 2026); draft only.
- [Phantom Cash US issuer migration](https://paytools.dev/en/ucard/phantom-cash) / [中文](https://paytools.dev/zh-CN/ucard/phantom-cash) — Bridge→Stripe replacement from 5 October 2026 (US); not a shutdown.

Card status for the same events is on `/ucard/cardano`, `/ucard/secondfi`, `/ucard/wirex`, `/ucard/gnosis-pay`, `/ucard/zeal`, `/ucard/phantom-cash`, `/ucard/solflare`, `/ucard/ready`, `/ucard/cypher`, `/ucard/gatecard`, `/ucard/imtoken` and `/ucard/phemexcard`. Cardano Card ends 31 October 2026 after Wirex exits custody for that programme; SecondFi closes 30 November 2026; Zeal winds up by 20 December 2026 on the Gnosis Pay programme; that is not a shutdown of Wirex’s own card. A consultation paper is not an in-force licence. A card notice is not a promise that a replacement card is live.

## ChatGPT / Claude 中文支付失败排查

- [中文 AI 排查索引](https://paytools.dev/ai/ai-pay-check.md)：ChatGPT Plus 支付失败、Claude Pro / Max 付款失败、银行卡被拒、续费失败、3DS 验证与账单资料问题；包含官方来源与工具能力边界。
- [AI payment check](https://paytools.dev/en/ai-pay-check)：新主页面；旧 /en/check 保留永久跳转。

## MSO application research / 香港 MSO 申請研究

- [English: hong-kong-mso-documents](https://paytools.dev/en/wiki/hong-kong-mso-documents) / [中文](https://paytools.dev/zh-CN/wiki/hong-kong-mso-documents) / [香港繁體](https://paytools.dev/zh-HK/wiki/hong-kong-mso-documents)
- [English: hong-kong-mso-cost](https://paytools.dev/en/wiki/hong-kong-mso-cost) / [中文](https://paytools.dev/zh-CN/wiki/hong-kong-mso-cost) / [香港繁體](https://paytools.dev/zh-HK/wiki/hong-kong-mso-cost)
- [English: hong-kong-mso-svf-vatp](https://paytools.dev/en/wiki/hong-kong-mso-svf-vatp) / [中文](https://paytools.dev/zh-CN/wiki/hong-kong-mso-svf-vatp) / [香港繁體](https://paytools.dev/zh-HK/wiki/hong-kong-mso-svf-vatp)
- [English: hong-kong-mso-register-check](https://paytools.dev/en/wiki/hong-kong-mso-register-check) / [中文](https://paytools.dev/zh-CN/wiki/hong-kong-mso-register-check) / [香港繁體](https://paytools.dev/zh-HK/wiki/hong-kong-mso-register-check)

Licence guides link to a Telegram contact for research and cooperation enquiries. This is an independent contact, not a regulator or an approval guarantee.

## Hong Kong licence guides / 香港牌照指南

- [English: hong-kong-svf](https://paytools.dev/en/wiki/hong-kong-svf) / [中文](https://paytools.dev/zh-CN/wiki/hong-kong-svf) / [香港繁體](https://paytools.dev/zh-HK/wiki/hong-kong-svf) — HKMA stored value facility licence: scope, HK$25m paid-up capital, float protection.
- [English: hong-kong-vasp](https://paytools.dev/en/wiki/hong-kong-vasp) / [中文](https://paytools.dev/zh-CN/wiki/hong-kong-vasp) / [香港繁體](https://paytools.dev/zh-HK/wiki/hong-kong-vasp) — SFC VATP dual licensing, capital and cold-storage rules, WINGS applications.
- [English: hong-kong-stablecoin](https://paytools.dev/en/wiki/hong-kong-stablecoin) / [中文](https://paytools.dev/zh-CN/wiki/hong-kong-stablecoin) / [香港繁體](https://paytools.dev/zh-HK/wiki/hong-kong-stablecoin) — Stablecoins Ordinance issuer licensing, HK$25m financial resources, full reserve segregation; HSBC RedCoin on PayMe from 23 October 2026.
- [English: hsbc-redcoin](https://paytools.dev/en/wiki/hsbc-redcoin) / [中文](https://paytools.dev/zh-CN/wiki/hsbc-redcoin) / [香港繁體](https://paytools.dev/zh-HK/wiki/hsbc-redcoin) — HSBC RedCoin (RCHKD) FAQ: FRS02, PayMe vs HSBC HK App, redemption and reserves per official docs.

## Company registration and licence application research

- [Company registration overview](https://paytools.dev/en/topics/company-registration) / [公司注册教程](https://paytools.dev/zh-CN/topics/company-registration): Mainland China, Hong Kong, Singapore, US, UK, BVI, Cayman Islands and Seychelles. Jurisdiction-specific preparation, filing sources and continuing duties.
- [Licence application overview](https://paytools.dev/en/topics/license-application) / [牌照申请教程](https://paytools.dev/zh-CN/topics/license-application): payment, e-money and virtual asset guides, plus dossier preparation, budgets and entity verification.
- [Application documents](https://paytools.dev/en/wiki/payment-license-documents)
- [Application budget](https://paytools.dev/en/wiki/payment-license-budget)
- [Incorporation vs licensing](https://paytools.dev/en/wiki/company-registration-vs-payment-license)

The portal connects bilingual guides, official filing sources and institution records. Its Telegram contact is for research and cooperation enquiries, not a regulator channel. Incorporation, bank acceptance and financial-service permissions are separate processes; no approval outcome is guaranteed.

## Complete registration and licensing index

- [中英文公司注册与牌照申请完整索引](https://paytools.dev/ai/registration-and-licensing.md): All current company, licence and application-preparation guides, with individual page URLs, review dates and official sources. Use this resource for jurisdiction-specific research rather than assuming a topic hub contains every requirement.

Company formation, bank onboarding and regulated-business permissions are separate. Public guides are free; registry charges, professional services, capital and ongoing operations are separate costs. Contacting the portal does not guarantee approval or constitute regulator advice.

Business bank account guides / 公司开户教程： https://paytools.dev/zh-CN/topics/bank-account · https://paytools.dev/en/topics/bank-account
BVI banking preparation / BVI 开户： https://paytools.dev/zh-CN/wiki/bvi-bank-account · https://paytools.dev/en/wiki/bvi-bank-account
Bank guide jurisdictions: China, Hong Kong, Singapore, US, UK, BVI, Cayman, Seychelles. For enquiries use the public Telegram contact https://t.me/fun_sini; bank acceptance and approval are independent.

## Intent-to-entry map / 主词与最佳入口

These bilingual landing pages include visible FAQs using the same answers as FAQPage structured data. They describe research and troubleshooting, not a paid service promise.

- **支付牌照查询 / 香港 MSO · Payment license lookup / Hong Kong MSO**: [中文](https://paytools.dev/zh-CN/institutions) / [English](https://paytools.dev/en/institutions). 核验法定实体、牌照号和监管来源；香港 MSO 使用海关名册复核。Verify legal entities, numbers and regulator sources; check Hong Kong MSO against the Customs register.
- **crypto card 对比 / 加密虚拟卡 · Crypto virtual card comparison**: [中文](https://paytools.dev/zh-CN/ucard) / [English](https://paytools.dev/en/ucard). 比较费率、KYC、地区与 AI 订阅条件；未知≠不支持，不保证开卡或商户接受。Compare fees, KYC, regions and AI subscription conditions; unknown is not unsupported, and issuance or merchant acceptance is not guaranteed.
- **ChatGPT / Claude 付不了、支付失败、绑卡被拒 · Payment failure / card declines**: [中文](https://paytools.dev/zh-CN/ai-pay-check) / [English](https://paytools.dev/en/ai-pay-check). 排查 VPN / 机房 IP、3DS、虚拟卡与真实账单资料；不收集完整卡号，不保证支付成功。Review VPN / data-center IP clues, 3DS, virtual cards and truthful billing details; no full card numbers or success guarantee.
- **AI 订阅付款失败 FAQ · AI payment-error FAQs**: [中文总览](https://paytools.dev/zh-CN/faq/ai-payment-errors) / [香港繁體](https://paytools.dev/zh-HK/faq/ai-payment-errors) / [English](https://paytools.dev/en/faq/ai-payment-errors). Ten topic pages for ChatGPT, Claude, Gemini, Midjourney, 3DS, virtual cards, billing address, VPN/IP and Apple ID IAP. Causes go network → card → bank. They point to https://pay-env-check.pages.dev/ and `/ai-pay-check`. No success guarantee.
- **支付名词说明 · What is X explainers**: [中文总览](https://paytools.dev/zh-CN/faq/payment-explainers) / [English](https://paytools.dev/en/faq/payment-explainers) / [Español](https://paytools.dev/es/faq/payment-explainers) / [Português](https://paytools.dev/pt/faq/payment-explainers). CPF/CNPJ, RFC/CURP, Pix, SPEI/CLABE, 3D Secure, card BIN and IFSC. Official sources only; Spanish and Portuguese are indexable only on searched explainer routes. 3DS and BIN define the terms and link to `/faq/stripe-3ds-failed` and `/faq/virtual-card-declined` for troubleshooting. No invented fees or ranking claims.
- **SWIFT / BIC 查询 · Code lookup**: [中文](https://paytools.dev/zh-CN/swift) / [English](https://paytools.dev/en/swift). 带来源路由记录与格式参考；不是完整 SWIFTRef，不验证账户或发起转账。Sourced routing records and format reference; not complete SWIFTRef, no account verification or transfers.
- **港新公司注册 · Hong Kong / Singapore incorporation**: [中文](https://paytools.dev/zh-CN/topics/company-registration) / [English](https://paytools.dev/en/topics/company-registration). 香港、新加坡为起点，连接地区教程；公司注册、税务、开户与牌照分别判断。Start with Hong Kong and Singapore guides; distinguish formation, taxation, banking and licensing.
- **牌照申请 · Payment license applications**: [中文](https://paytools.dev/zh-CN/topics/license-application) / [English](https://paytools.dev/en/topics/license-application). 官方来源优先，区分支付、电子货币与虚拟资产业务许可；不保证批牌或开户。Prioritize official sources and distinguish payment, e-money and virtual asset permissions; no licensing or bank acceptance guarantee.

Hong Kong MSO register checks / 香港 MSO 核验：[中文](https://paytools.dev/zh-CN/wiki/hong-kong-mso-register-check) / [English](https://paytools.dev/en/wiki/hong-kong-mso-register-check). Scope comparison / 制度对照：[中文](https://paytools.dev/zh-CN/wiki/hong-kong-mso-svf-vatp) / [English](https://paytools.dev/en/wiki/hong-kong-mso-svf-vatp).

Follow institution records to regulator sources; match brands to legal entities through /zh-CN/brands or /en/brands. Compare card products through /ucard and investigate payment symptoms through /ai-pay-check in the same language. A licensed entity does not certify every brand product or guarantee AI payment acceptance.