> ## Documentation Index
> Fetch the complete documentation index at: https://docs.cnho.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Bank Verification

> For Offshore RMB (CNH) Transactions

Once you’ve successfully passed identity (KYC) verification, you must verify a **bank account that supports offshore RMB (CNH)** to use fiat on/off ramp services such as deposits, transfers, and withdrawals.

***

### 🔐 **What You Can Do After Bank Verification**

* ✅ **Deposit CNH** to receive CNHO stablecoins
* ✅ **Transfer and withdraw** funds
* ⚠️ **Redemption (Convert CNHO to fiat)** requires a separate **Initialization step** (covered in the next guide)

> You may register multiple bank accounts, but only **one** can be set as your **default withdrawal account**.

***

### ✅ **Requirements for Bank Account**

To be eligible, your bank account must:

* Be **owned by you**, matching the full legal name from your KYC
* Be able to **send and receive CNH (offshore RMB)** via wire transfer
* Be issued by an offshore financial institution (e.g., Hong Kong, Singapore, BVI)
* Not be a Mainland China domestic CNY account

***

### 📝 **How to Add and Verify a Bank Account**

#### **Step 1: Log in and Access Bank Verification Page**

* Go to: [https://beta.cnho.io/login](https://beta.cnho.io/login)
* After login, navigate to **My Bank → Add New Bank**

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#### **Step 2: Fill in Bank Account Details**

| Field                        | Description                                                             | Example                                    |
| :--------------------------- | :---------------------------------------------------------------------- | :----------------------------------------- |
| **Name of This Account**     | Nickname for this account (for your reference)                          | "My HSBC CNH Account"                      |
| **Account Name**             | Must exactly match your KYC name                                        | JOHN WANG                                  |
| **Account Number**           | Your full bank account number                                           | 123456789012                               |
| **Bank Name**                | Name of your bank                                                       | HSBC Hong Kong                             |
| **SWIFT Code**               | Required for international wire transfers                               | HSBCHKHHHKH                                |
| **IBAN**                     | If applicable (otherwise repeat account number)                         | GB12BARC12345612345678                     |
| **ABA Routing Number**       | For U.S. banks only (otherwise leave blank)                             | 026009593                                  |
| **Intermediary Bank**        | If your bank requires a correspondent/intermediary                      | Bank of New York Mellon                    |
| **Account Address**          | Your legal address registered with the bank (must match bank statement) | 22/F, Tower 1, Admiralty Centre, Hong Kong |
| **Bank Address**             | Full address of the bank branch (searchable via Google)                 | 1 Queen's Road Central, Central, Hong Kong |
| **Signet Wallet**            | Your blockchain wallet address for deposit/withdrawal routing           | 0x1234...abcd                              |
| **Wire Reference**           | Optional memo for wire transfer instructions                            | “CNHO John W”                              |
| **Set This Bank as Default** | Choose if this is your default withdrawal bank                          | ✅ Yes / ❌ No                               |

***

#### **Step 3: Upload Latest Bank Statement**

* **Must be issued within the last 3 months**
* Must include:
  * **Your full name** (matching KYC)
  * **Bank name**
  * **Account number**
  * **Account address**
  * Some transaction history or balance

> ❗️File formats: PDF, JPG, PNG\
> ❗️Screenshots from apps are not accepted unless official statement is visible

***

#### **Step 4: Submit for Review**

* Double-check all entered details and uploaded documents
* Click **“Submit for Review”**
* A confirmation email will be sent to you

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### ⏳ **Review & Approval**

* Review time: **1–3 business days**
* Once approved, you will be able to:
  * ✅ **Deposit CNH**
  * ✅ **Withdraw CNHO**
  * ✅ **Transfer funds**
  * ❌ **Redemption not available until Initialization is completed**

***

### ⚠️ Important Reminders

* ✅ You may **add multiple bank accounts**
* 🔁 You may **change your default account** at any time
* ❌ Redemption of CNHO requires a **separate Initialization step** (next guide)
* ❌ Mainland China CNY accounts are **not supported**
* ❌ U.S. tax residents are **not supported**