对非中美金融问题的免责和排除声明（也包括在美国和中国均不合规的数字货币卡）
Disclaimer and Exclusion about non-US and non-China Financial Issues, including Cryptocurrency Payment Cards (unless explicitly compliant within the U.S. or China)
也就是说，哪怕初次摸真枪，频道主也能回去顺便检索外籍人合规相关的内容，美国的边边角角都对理解合法和灰色偏白（官方放水或者半放水）领域有用。
In other words, even if exploring unfamiliar territory for the first time, such as touching and using the real gun such as rifle, the channel owner can conveniently search compliance-related topics for foreign nationals. Understanding niche areas within the U.S. regulatory environment is beneficial for grasping what's legal or at least “grey but tolerated” (officially allowed or semi-permissible).
但是，相对来说，搞数字货币卡（Coinbase US 除外，笑死）或者搞云欧洲/云英国/云新加坡相关，那就没有这种效果！不过不妨碍频道主继续关注任何有利于换汇的内地卡和港卡问题！万事网联和连通卡都是好东西哦，频道主也有能力使用 Wise 偶尔和大湾区群友们互通有无。
However, ventures into cryptocurrency payment cards (with the exception of Coinbase US—laughably compliant) or delving into remote ("cloud") financial products from Europe, the UK, or Singapore do not provide similar compliance clarity. Nevertheless, this won't stop the channel owner from continuing to monitor mainland China or Hong Kong card options favorable for currency exchange purposes. All-in-one payment networks like MasterCard China and American Express China are great solutions for mainland China users, and the channel owner is capable of occasionally facilitating exchanges with Greater Bay Area friends via Wise.
纯银联卡嘛，除非有利于购汇转账或者在美国消费，否则不是重点关注范围，能用且非柜限额足够就可以。但是，银联要是搞美国消费活动，那就又可以重点注意了。
As for pure UnionPay cards, unless they offer significant advantages for foreign currency exchanges or US-based transactions, they aren't a primary focus—it's sufficient if they're simply usable with non-counter limits adequate for daily needs. However, should UnionPay launch promotions targeting U.S.-based spending, these cards will certainly merit heightened attention.
银联国际方面，工银美国的银联信用卡只给绿卡持有者和美国公民提供，那就到时候再说了，不急。不妨碍频道主观望香港和其他地区的银联国际卡。
Regarding UnionPay International, since ICBC (USA)’s UnionPay credit cards are restricted to U.S. permanent residents (green card holders) and citizens only, the channel owner will revisit this topic as needed—no rush. Meanwhile, the owner will keep observing UnionPay International offerings from Hong Kong and other regions.
别忘了，飞飞只知道飞飞知道的部分，或者群友和或线下同学和飞飞讲，飞飞就知道了！毕竟总不能把飞飞瞬移到墨西哥，然后把 SSN 降级成 ITIN 吧。
LetITFly (is also known as FlyFly or FeiFei, the channel owner) only knows what FlyFly knows, or what group members or offline classmates share with FlyFly. After all, FlyFly can’t exactly teleport to Mexico and downgrade an SSN to an ITIN, right?
英文部分由频道主亲自手打，并使用 ChatGPT 4.5 进行润色强化，因此本声明的简体中文和英文部分有同等效力（和宣布有歧义以某种语言为准的定义反着来）。
The English section above was personally drafted by the channel owner and refined using ChatGPT 4.5. Thus, the Simplified Chinese and English versions of this disclaimer hold equal validity (contrary to conventional clauses designating one language version as prevailing in case of discrepancies).
