Revolut和N26是欧洲两大数字银行，但都要求欧盟地址+欧盟手机号——中国卖家需要通过在欧盟的代理或合作伙伴开户。Revolut优势：多币种账户、汇率好（中间价）、App体验流畅。N26优势：德国银行牌照（存款保障€10万）、与TransferWise集成。但两者都有限制——不接受亚马逊等平台的商业收款（只能用于日常支出和转账）。
行动清单
- Revolut/N26用于支出和转账
- 平台收款用Payoneer/WorldFirst
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