I transferred a sum of US dollars from China Merchants Bank in Hong Kong to a US stock brokerage firm, but the money was not much. After waiting for two days, I found out that it had been returned, but a 20% handling fee was charged and not refunded. Yesterday I called China Merchants Bank to ask what the reason was, and they said they would investigate. After a night, I just called back and said it was because there was no cooperation relationship between the intermediary bank (Fuguo Bank) and the receiving bank, and asked me to try another receiving bank. There are too many aspects of traditional finance that are inefficient, expensive, time-consuming, and unreasonable. From a technological perspective, blockchain has great advantages. Let's get angry and kill these old players.