Rich-charge unbounded card has no physical medium. Customers will get a string of card numbers after applying, and then they can be bound to third-party payment platforms such as UnionPay, China UnionPay Express, WeChat and Alipay for consumption. Fanghuaka, on the other hand, is based on Yunnan minority culture, combining Yunnan minority silver headdress with Fanghua creativity to inherit national culture and history. It's a joint cultural brand. So the difference between the two is that the unbounded card has no medium, while Fanghua card has it.

Fudian Bank Co., Ltd. (hereinafter referred to as "Fudian Bank") was established on February 30, 2007. Approved by China Banking Regulatory Commission, it is the first provincial-level local joint-stock commercial bank in Yunnan Province based on the capital increase and share expansion of Kunming Commercial Bank and the disposal of non-performing assets.