Buying RMB — or settling the invoice without buying any

Renminbi is the currency's name, RMB the everyday abbreviation, CNY the international code, and yuan the unit things are counted in. An invoice may read ¥10,000, RMB 10,000 or CNY 10,000 and it is usually the same amount. Nothing has to be converted between them.

The two yuan are worth knowing about separately. Onshore CNY circulates inside mainland China; offshore CNH trades outside it, and their prices diverge. The payout on this route happens inside China over CNAPS, so the relevant reference is the onshore one rather than a Hong Kong quotation.

What goes into the payment is the CNY figure from the invoice. How the supplier chose to format it is a question about their paperwork, not an arithmetic problem of yours.

You add a recipient: a company, the name written twice — Latin letters and Chinese characters — the account number exactly as issued, the bank, a mainland Chinese mobile number. Field formats are validated on save rather than at payout.

Then you enter the exact invoice amount in yuan, the purpose — goods or services — and the nature of the relationship: supplier or service provider. The calculation shows how much USDT or USDC is required from the balance; it lives for a limited time, on the order of ten minutes, and is redone once it lapses.

The route has a served band, roughly 55 CNY up to about 65,000 CNY for one payment. The limits are read from available liquidity and shown inside the payment, which is why they are not published here as fixed values. An amount below the floor will not pass: small items — samples, an inspection, a courier — are usually rolled into the next invoice rather than pushed through one at a time.