# 什麼是美元帳戶?

美元帳戶是一種數位化帳戶，功能類似於傳統銀行帳戶，但可完全在線上使用。

透過此帳戶，您可以以電子方式接收、持有及轉移資金，操作快速且便利。

HoyaPay 並非銀行機構，而是提供帳戶管理與操作介面的服務平台。

相關的虛擬帳戶服務係由具備合法許可之金融機構提供，HoyaPay 僅作為技術與服務平台，協助您更方便地管理資金。

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