I'm a frequent traveler between China and other countries, and I receive income in foreign currencies. To overcome the limitations of converting my income to RMB domestically, I'm considering opening an offshore RMB account. My primary requirements for the account are: low account maintenance fees, the ability to bind the account to Google Pay and popular domestic payment platforms such as Alipay and WeChat, and a competitive interest rate higher than that offered domestically. I've researched some Hong Kong banks, but I've found that their account opening requirements are quite stringent. I'd appreciate any guidance from experienced individuals. Some context behind my decision is that domestic accounts are easy to open but difficult to close, and I'm concerned about potential restrictions in the future. Furthermore, the USD's recent exchange rate fluctuations have made me uneasy about its long-term stability. Although I do have existing offshore bank accounts, I don't use them frequently due to high transaction fees when making purchases in China.