【2025年12月19日】—— 光子易（PhotonPay） 宣佈上線新一代金融操作系統（Financial Operating System），完成其支付性能的又一次變革性提升。此次升級旨在最大限度簡化資金工作流，降低用戶操作成本，爲企業進行全球化擴張減少運營摩擦和支付卡點。
作爲由AI驅動的全球金融基礎設施提供商，光子易（PhotonPay）一直致力於攻克企業在當前跨境業務中普遍面臨，諸如財務系統割裂、支付成本高昂及管理複雜等痛點、難點。本次升級通過技術重構，在用戶端爲企業呈現一覽無遺的清晰資產視圖，增強企業對財務的掌控力。
重塑交互：高度靈活的定製化架構
新系統引入高度靈活的小組件（Widget-based）架構，支援用戶構建完全定製化的主頁。藉助直觀的拖拽功能，企業能夠根據自身特定的運營工作流調整界面佈局，將最關鍵的功能模組置於核心位置，實現操作效率的顯著提升。用戶操作頁面可展示前三高頻交易幣種匯率，並設定金融日曆同步提醒休市安排，避開交易空窗期。此外，頁面針對用戶常用核心功能，增加引導式氣泡提示，幫助用戶快速熟悉新版本操作。
全景洞察：數據驅動的決策中樞
數據可視化是此次更新的核心亮點。全新的「概覽頁面」爲企業提供「單一全景視圖」，透過聚合實時數據，實現對全球收付款的一站式監控與管理。升級後的系統配備動態圖表功能，可追蹤長達90天的現金流趨勢，幫助財務團隊掌握資金狀況，做出流動性決策。
以AI賦能：自動化高摩擦工作流
本次升級後的統一儀表板深度集成全球收單（Global Acquiring）、全球賬戶（Global Accounts）、全球付款（Global Payouts）、光子卡（PhotonPay Card）、匯率管理（FX Management）光子易五大核心模組。除可視性大幅提升外，升級版系統採用了由 AI驅動的全新UI/UX 設計，優先解決高頻、高摩擦工作流的自動化問題：
動態發卡： 精細化支出控制——包括單筆交易、每日及每月限額，發卡即刻生效，實現精準的費用管理。
優化批量付款： 透過AI驅動的智能驗證簡化大規模支付，系統可自動檢查批次檔案並標記潛在錯誤，確保支付執行的無縫與準確。
集中收款人管理： 安全存儲交易對手方/供應商信息，有效規避因人工錄入數據造成的錯誤。
簡化對賬流程： 管理多團隊、多幣種的交易明細，確保對全球資金流向的全面監管。
「此次升級不僅僅是我們操作系統的迭代，更是光子易在發展歷程中取得的一個關鍵技術性突破」 PhotonPay 光子易創始人兼 CEO 陳敏（Lewison Chen）表示，「我們的目標是消解金融複雜性，讓企業在出海業務中掌握更多自主權，幫助企業重塑跨境支付流程，賦能企業緊抓全球擴張的新機遇。」
面對複雜的全球金融支付環境，市場對統一支付解決方案的需求日益強勁：企業不再尋求單一的支付工具，而是需要一個覆蓋收單、付款及支出管理全生命週期的綜合金融操作系統。爲企業打造健康、可持續的支付生態，這正是光子易核心競爭優勢的關鍵所在。
以合規爲基石，光子易正透過技術重構金融服務，讓每一筆全球交易都成爲值得信賴的對話。
關於光子易（PhotonPay）
成立於 2015 年，PhotonPay 光子易是一家 AI 驅動的金融基礎設施平台，致力於為全球經濟構建數字支付網絡。PhotonPay 在全球設有11個辦事處，業務覆蓋超過 200 個國家和地區，賦能企業實現高效、安全且一體化的全球增長。
HONG KONG, December 19, 2025 – PhotonPay, an AI-powered global financial infrastructure provider, today announced the launch of its next-generation Financial Operating System. This transformative upgrade is engineered to minimize operational friction and streamline complex workflows for businesses expanding globally.
Targeting the mounting costs and complexity of disconnected financial systems, the upgrade is engineered to deliver enhanced clarity and control.
The new system introduces a highly flexible, widget-based architecture, allowing users to build a bespoke homepage. With intuitive drag-and-drop capabilities, businesses can now tailor their interface to match their specific operational workflows, placing critical functions exactly where they are needed.
Data visibility is paramount in the new update. The Overview Page offers businesses a "single pane of glass" view, aggregating real-time data to provide clear, one-stop control over global pay-ins and payouts. The upgraded system also features dynamic charts tracking 90-day cash flow trends, empowering finance teams to make informed liquidity decisions at a glance.
This unified dashboard integrates real-time insights across PhotonPay’s key modules:
Global Acquiring
Global Accounts
Global Payouts
PhotonPay Card
FX Management
Beyond visibility, the upgrade features a brand-new UI powered by AI. This combination enables the new operating system to prioritize the automation of high-friction workflows:
Dynamic Card Issuance:Delivers granular spending controls—including per-transaction, daily, and monthly limits—available immediately upon issuance for precise expense management.
Optimised Bulk Payouts:Streamlines mass payments via AI-driven validation, automatically checking batch files to flag errors and ensure seamless, error-free execution.
Centralised Payee Management:Securely stores vendor details to prevent errors caused by manual data entry.
Streamlined Reconciliation: Uses a no-code interface to easily manage multi-entity, multi-currency transaction details, ensuring full oversight of global financial flows.
"This upgrade represents more than just an iteration of our operating system; it is a pivotal milestone in PhotonPay's journey," said Lewison Chen, Founder & CEO of PhotonPay. "Our goal is to dissolve financial complexity and, more importantly, to democratise finance—putting control firmly back in the hands of our customers, empowering enterprises to seize new opportunities for global expansion."
The market's demand for a unified solution is evident. Over the past year, the number of clients adopting multiple PhotonPay products has increased by more than 30%.
This growth validates a key shift in the increasingly decentralised global landscape: businesses no longer seek standalone payment tools, but rather a comprehensive financial operating system covering the full lifecycle of pay-ins, payouts, and expense management. This evolution underscores precisely where PhotonPay is cementing its core competitive edge.
With compliance as its cornerstone, PhotonPay is reconstructing financial services through technology—making every global transaction a trusted conversation.
About PhotonPay
PhotonPay, an AI-powered financial infrastructure, was launched in 2015. Supporting over 10 global offices and operations in 200+ countries/regions, PhotonPay enables efficient, secure, and integrated global payments to drive business growth with infinite ambitions.
Trusted by 200,000+ businesses worldwide to overcome banking and payment challenges, PhotonPay delivers simple, scalable, and customizable solutions – including accounts, card issuing, domestic/international payments, and embedded finance.
With licenses and compliance coverage across strategic regions, PhotonPay’s unified infrastructure enables businesses to accelerate product development, enhance operational efficiency, and drive sustainable growth.
Official website: https://www.photonpay.com/uk