Spot transactions are transactions between large banks and large banks acting on behalf of large customers. After the transaction is agreed upon, the payment and delivery of funds will be completed within two business days at the latest.

This article mainly introduces the personal foreign exchange transactions launched by domestic banks for individuals and is suitable for the participation of public investors.

Personal foreign exchange transactions, also known as foreign exchange treasures, refer to transactions in which individuals entrust a bank to purchase and sell one foreign currency into another foreign currency concerning the real-time exchange rate of the international foreign exchange market. Since investors must hold a sufficient amount of foreign currency to sell to trade. Compared with the internationally famous foreign exchange margin trading, it lacks the short-selling mechanism and the financing leverage mechanism of margin trading, also called an actual transaction.