? How It Works · TCE — Currency & Crypto Exchange
🇨🇳 TCE 货币兑换 · 诚信 · 安全 · 便捷  |  24小时客服热线 +852 9169 3658
CNY ¥1.00 ▲0.00%USD ¥6.85 ▼0.02%EUR ¥7.79 ▲0.00%GBP ¥9.10 ▼0.02%JPY ¥0.0418 ▼0.06%CHF ¥8.36 ▼0.03%CAD ¥4.85 ▲0.02%AUD ¥4.77 ▲0.06%NZD ¥3.96 ▼0.06%HKD ¥0.8731 ▲0.00%SGD ¥5.30 ▼0.01%KRW ¥0.004697 ▲0.00%TWD ¥0.2114 ▲0.00%INR ¥0.0714 ▲0.02%IDR ¥0.000378 ▼0.03%THB ¥0.2039 ▲0.01%MYR ¥1.67 ▲0.12%PHP ¥0.1111 ▲0.04%VND ¥0.000261 ▼0.12%PKR ¥0.0246 ▲0.00%BDT ¥0.0554 ▲0.07%LKR ¥0.0204 ▼0.19%NPR ¥0.0446 ▼0.02%MOP ¥0.8477 ▲0.00%BND ¥5.30 ▼0.01%MMK ¥0.003265 ▲0.00%KHR ¥0.001690 ▲0.00%KZT ¥0.0143 ▲0.02%AED ¥1.86 ▲0.04%SAR ¥1.83 ▼0.13%QAR ¥1.88 ▲0.12%KWD ¥22.07 ▲0.00%BHD ¥18.21 ▼0.01%OMR ¥17.81 ▲0.00%JOD ¥9.66 ▼0.05%ILS ¥2.24 ▼0.01%TRY ¥0.1445 ▲0.00%NOK ¥0.7069 ▲0.00%SEK ¥0.7053 ▲0.00%DKK ¥1.04 ▲0.32%PLN ¥1.80 ▼0.07%CZK ¥0.3221 ▲0.00%HUF ¥0.0216 ▼0.04%RON ¥1.49 ▼0.14%BGN ¥3.98 ▲0.11%ISK ¥0.0546 ▲0.01%RUB ¥0.0871 ▲0.01%UAH ¥0.1524 ▲0.00%MXN ¥0.3924 ▲0.00%BRL ¥1.34 ▼0.04%ARS ¥0.004565 ▲0.00%CLP ¥0.007285 ▲0.00%COP ¥0.002135 ▲0.01%PEN ¥2.01 ▲0.09%UYU ¥0.1704 ▼0.01%ZAR ¥0.4096 ▲0.00%EGP ¥0.1355 ▲0.01%NGN ¥0.005020 ▲0.00%KES ¥0.0529 ▲0.00%GHS ¥0.5863 ▼0.01%MAD ¥0.7301 ▲0.00%TND ¥2.31 ▼0.06%DZD ¥0.0513 ▲0.03%XOF ¥0.0119 ▲0.09%UGX ¥0.001837 ▲0.00%TZS ¥0.002599 ▼0.01%MUR ¥0.1444 ▼0.02%FJD ¥3.07 ▼0.14%USDT ¥6.81 ▼0.02%BTC ¥435,397 ▲0.21%ETH ¥12,945 ▼0.96%CNY ¥1.00 ▲0.00%USD ¥6.85 ▼0.02%EUR ¥7.79 ▲0.00%GBP ¥9.10 ▼0.02%JPY ¥0.0418 ▼0.06%CHF ¥8.36 ▼0.03%CAD ¥4.85 ▲0.02%AUD ¥4.77 ▲0.06%NZD ¥3.96 ▼0.06%HKD ¥0.8731 ▲0.00%SGD ¥5.30 ▼0.01%KRW ¥0.004697 ▲0.00%TWD ¥0.2114 ▲0.00%INR ¥0.0714 ▲0.02%IDR ¥0.000378 ▼0.03%THB ¥0.2039 ▲0.01%MYR ¥1.67 ▲0.12%PHP ¥0.1111 ▲0.04%VND ¥0.000261 ▼0.12%PKR ¥0.0246 ▲0.00%BDT ¥0.0554 ▲0.07%LKR ¥0.0204 ▼0.19%NPR ¥0.0446 ▼0.02%MOP ¥0.8477 ▲0.00%BND ¥5.30 ▼0.01%MMK ¥0.003265 ▲0.00%KHR ¥0.001690 ▲0.00%KZT ¥0.0143 ▲0.02%AED ¥1.86 ▲0.04%SAR ¥1.83 ▼0.13%QAR ¥1.88 ▲0.12%KWD ¥22.07 ▲0.00%BHD ¥18.21 ▼0.01%OMR ¥17.81 ▲0.00%JOD ¥9.66 ▼0.05%ILS ¥2.24 ▼0.01%TRY ¥0.1445 ▲0.00%NOK ¥0.7069 ▲0.00%SEK ¥0.7053 ▲0.00%DKK ¥1.04 ▲0.32%PLN ¥1.80 ▼0.07%CZK ¥0.3221 ▲0.00%HUF ¥0.0216 ▼0.04%RON ¥1.49 ▼0.14%BGN ¥3.98 ▲0.11%ISK ¥0.0546 ▲0.01%RUB ¥0.0871 ▲0.01%UAH ¥0.1524 ▲0.00%MXN ¥0.3924 ▲0.00%BRL ¥1.34 ▼0.04%ARS ¥0.004565 ▲0.00%CLP ¥0.007285 ▲0.00%COP ¥0.002135 ▲0.01%PEN ¥2.01 ▲0.09%UYU ¥0.1704 ▼0.01%ZAR ¥0.4096 ▲0.00%EGP ¥0.1355 ▲0.01%NGN ¥0.005020 ▲0.00%KES ¥0.0529 ▲0.00%GHS ¥0.5863 ▼0.01%MAD ¥0.7301 ▲0.00%TND ¥2.31 ▼0.06%DZD ¥0.0513 ▲0.03%XOF ¥0.0119 ▲0.09%UGX ¥0.001837 ▲0.00%TZS ¥0.002599 ▼0.01%MUR ¥0.1444 ▼0.02%FJD ¥3.07 ▼0.14%USDT ¥6.81 ▼0.02%BTC ¥435,397 ▲0.21%ETH ¥12,945 ▼0.96%
TCE
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🧭 How it works

From quote to settlement — usually done in minutes.

Pick the product below to see the exact steps and what happens behind the scenes on our desk.

Exchange currency

Turn one currency into another at the desk's live rate — settled to your bank card, Alipay or WeChat Pay same day.

⏱ From quote to settlement: usually 5–30 minutes

📋 The four steps
1
📊
Get a live quote

Open the converter, pick the pair and amount. The desk rate is locked at quote time for up to 5 minutes.

2
🪪
Verify once

New accounts complete a one-time KYC. Existing members skip straight to the trade.

3
💳
Fund the trade

Pay in via Alipay, WeChat Pay, UnionPay, bank transfer or a stablecoin transfer. Confirmation is automatic.

4
📥
Get settled

We push the destination currency to your bank / wallet — usually within 30 minutes of confirmed funding. You get a stamped receipt.

🎬 Behind the deskwhat happens after you tap "confirm"

1 · Trade opens

Your order writes to our matching engine, escrow locks the assets and both sides get a notification. This all happens in under a second.

2 · Funds move

Fiat clears through a licensed partner bank. Crypto moves on-chain from cold storage after multi-sig approval. Both are logged to an immutable trail.

3 · Risk checks

The AML engine runs velocity, structuring and sanction checks. Anything flagged pauses for human review — typically inside 10 minutes during desk hours.

4 · Settlement & receipt

Destination bank / wallet confirms receipt. A stamped receipt lands in your dashboard, downloadable as PDF for tax or expense records.

⚖️ Our commitments

Same-day settlement

Fiat exchanges settle to a China bank / Alipay / WeChat Pay / UnionPay within the trading day, most in under 30 minutes.

🔒

Escrow protection

Every P2P trade held in escrow. Funds only move when both sides confirm — full dispute review otherwise.

📄

Transparent fees

The rate you see is the rate you get. No hidden margins, no "correspondent bank" surprises.

📞

Human support

Real people on WeChat, phone & email during desk hours. Complex tickets acknowledged in under 15 minutes.

🛡️

Security

Encryption, escrow, cold storage, audit trail.

Read security →
📄

Fees

Everything in the spread. No hidden charges.

See fees →
💬

Help centre

Getting-started guides & troubleshooting.

Get help →

Ready to try it?

Your first quote takes ten seconds.

Open the converter
🎁 Invite & earn

Invite friends to trade — you both earn ¥100

Share TCE. When your friend makes their first escrow-protected exchange, you both get rewarded.

Get your invite link   How it works