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HK FundsOperations Manual

A product-oriented guide to every business detail of the moomoo Hong Kong deposit and withdrawal system, grounded in code implementation

32
Microservices
PHP 11 / Go 10 / Python 8
159
Data Tables
Full-chain data model coverage
2,241
API Endpoints
112 service definitions
696
Status Enums
Complete business rule mapping

What do you need?

Choose the quickest entry point based on your needs

🗺️

New here, start from scratch

First time with the funds system — build a global understanding

📋

Look up rules & fields

Know what you need — quickly find specific business rules and field definitions

🔧

Handle issues & ops

Encountering a problem — find the relevant process and operation guide

Fund Flow Overview

The complete path of funds from user bank account to securities account (deposit) or reverse (withdrawal)

👤
User Initiates
App submission
🏦
Bank Interface
16 banks Multiple protocols
🔄
Match / Approve
Auto-matching engine 3-step approval
🛡️
Risk Control
Blocklist / allowlist High-risk interception
⚙️
SBA Orchestration
Fund ledger Procedure execution
Funds Settled
Credited / remitted Reconciliation
Deposit flow Withdrawal flow Bidirectional

Quick Start by Role

🎯 Product Manager

Understand business rules and assess the impact of requirement changes

⚙️ Operations Staff

Master operational procedures and handle exceptions and alerts

📚 New Joiners

Learn the deposit and withdrawal system from scratch

🔧 Developers

Understand system architecture and locate code and APIs

💰 Deposit System

User Funds → Securities Account

  • 10 Deposit Methods: BST, FPS, eDDA, Internet Banking, ATM, Cheque...
  • eDDA accounts for ~78% of deposits: HSBC channel supports 15 banks, Hang Seng channel supports 12 banks
  • Automatic Matching Engine: Five-dimensional matching on amount + currency + name + date + card number
  • Limit Management: Auto-deposit caps by currency — HKD 2M / USD 300K
View Deposit Details →

💸 Withdrawal System

Securities Account → User Bank

  • 12 Withdrawal Channels: BST, BOCHK FPS, HSBC/HASE Internet Banking, Cross-border Wire, CHATS...
  • Three-step Approval: Audit (high-risk review) → Confirm → Remittance
  • BST Auto-withdrawal: Auto-release when 6 conditions are met, max 10 per user/day
  • Cross-border Remittance: Supports transfers to Mainland China, US, and other regions
View Withdrawal Details →

Bank Capability Matrix

One table to see what each bank can do · View Full Matrix →

BankDeposit StatementsWithdrawal RemittanceeDDA/eDDI Direct DebitFPSBST
BOCHKB2EFTS-FPS-
HSBCMT910Internet BankingeDDA + eDDI (15 banks)--
HASE-Internet BankingeDDA + eDDI (12 banks)--
SCB-FPS-FPS-
CGB-FPS-FPS-
ICBCB2EB2E---
CMBBSTBST--BST
MSBSTBST--BST
AirstarAPIAPI--BST
EWBCSVWire---
CCBAPI----
DBSAPI----

内部业务文档 · 仅限 moomoo 团队使用