{"schema":"official-brain-node/v1","representation_revision":"OB-REP-20260906-V2","id":"doc.rcpay.personal-account-solution-v5","type":"document","subtype":"product_material","title":"RCPAY Personal Account Solution v5","aliases":["Personal Account Solution"],"language":"zh-Hant","summary":"Official RCPAY personal-account product material describing eligibility, onboarding documentation, KYC/AML review, bank-transfer funding, compliance documentation, withdrawal/remittance under the client's name, processing times and dormant-account treatment.\n","body_markdown":"# RCPAY Personal Account Solution v5\n\n## Evidence-bounded extraction\n\n### Eligibility / onboarding\n\nThe material describes a personal-account solution for adult applicants who provide identity/address information and pass KYC/AML review. It states availability for applicants from Mainland China and Hong Kong S.A.R.\n\n### Funding\n\nThe documented deposit mechanism supports funding from third-party individual or corporate bank accounts. Customers may be required to provide proof of remittance and transaction documents for source-of-funds/compliance review.\n\nThe material gives indicative processing guidance for local transfers and cross-border telegraphic transfers. Actual crediting time remains subject to bank processing.\n\n### Withdrawal\n\nThe material states that withdrawal funds are remitted **under the client's name** to a designated third-party bank account, subject to compliance and supporting-document review. It gives an indicative withdrawal-application processing time of 1–3 business days; actual bank crediting time may vary.\n\n### Governance guardrail\n\nThis source supports customer-facing operational descriptions. Broad claims such as universal worldwide bank coverage, licensing status or regulatory equivalence must not be inferred beyond the wording in the material and stronger authority sources.","status":"active","published_at":"2026-09-06T12:05:35.683502+00:00","links":{"self":"https://brain-stage.rc365plc.com/v1/sources/doc.rcpay.personal-account-solution-v5?rev=OB-REP-20260906-V2","related":"https://brain-stage.rc365plc.com/v1/nodes/doc.rcpay.personal-account-solution-v5/related?rev=OB-REP-20260906-V2"},"facts":[],"claims":[],"authority_bindings":[],"representation_profiles":[],"relationships":[{"id":"rel.doc-rcpay-personal-account-solution.reports-on.bva","type":"reports_on","target":"service.banking-virtual-account","target_url":"https://brain-stage.rc365plc.com/v1/nodes/service.banking-virtual-account?rev=OB-REP-20260906-V2","semantic_class":"descriptive","knowledge_role":"relationship","issuer":null,"authority_binding_id":null,"authority_domain":null,"authority_policy_id":null,"applicability":{"qualifiers":{}},"change_reason":null,"asserted_at":null,"valid_from":null,"valid_until":null,"sources":["doc.rcpay.personal-account-solution-v5"],"source_links":[{"id":"doc.rcpay.personal-account-solution-v5","url":"https://brain-stage.rc365plc.com/v1/sources/doc.rcpay.personal-account-solution-v5?rev=OB-REP-20260906-V2","source_record_url":"https://brain-stage.rc365plc.com/v1/sources/doc.rcpay.personal-account-solution-v5?rev=OB-REP-20260906-V2"}],"evidence":[]}],"authority_resolution":{"claim_records":[],"relationship_records":[{"assertion_key":"relationship:doc.rcpay.personal-account-solution-v5:reports_on:{}:service.banking-virtual-account","assertion_kind":"relationship","resolver_version":"phase1-v4","policy_id":"default.relationship.multi","policy_version":"phase1-v1","status":"canonical","selected_assertion_ids":["rel.doc-rcpay-personal-account-solution.reports-on.bva"],"competing_assertion_ids":[],"reason_codes":["SOLE_ELIGIBLE_ASSERTION"]}],"abstentions":[]},"sources":["doc.rcpay.personal-account-solution-v5"],"source_links":[{"id":"doc.rcpay.personal-account-solution-v5","url":"https://brain-stage.rc365plc.com/v1/sources/doc.rcpay.personal-account-solution-v5?rev=OB-REP-20260906-V2","source_record_url":"https://brain-stage.rc365plc.com/v1/sources/doc.rcpay.personal-account-solution-v5?rev=OB-REP-20260906-V2"}],"integrity":{"content_sha256":"14c3a872ed0bfd88e71a6a33f2a24deefb2bcfc3554944ddf3591b6a4c4ae761","version_sha256":"f2e4d967cb259b13ee922a718f616069333a6fe09a57380698fc029b283659f9"},"source_metadata":{"source_kind":"other_official","source_language":"zh-Hant","original_url":null,"resolved_url":null,"published_at":null,"retrieved_at":"2026-09-02T08:51:00+00:00","content_sha256":"174e44e052008b929f5da3e541cc258f577edf2f1154958282e984dcc57cf854","content_type":"application/pdf","content_length":6081140,"http_status":null,"search_title":"RCPAY Personal Account Solution v5","canonical_summary":"Customer-facing product material supporting evidence-bounded descriptions of personal-account onboarding, bank-transfer funding and withdrawal/remittance workflows.\n","keywords":["RCPAY","Personal Account","deposit","bank transfer","withdrawal","KYC","AML"]}}