Changelog: product, policy, and content updates

The risk-control rule states clearly: merchant refunded amounts are frozen for 90 days, counted from the day the refund is credited, and released automatically on expiry with no extra application needed. The freeze applies only to that refunded amount — the rest of your balance is unaffected, and you can keep opening cards and spending.

If the refund comes from normal consumption and your account has a low refund frequency, you can provide evidence and the platform will assist in applying to the risk-control department for expedited review and early release; the outcome is subject to review. Three items are needed: the merchant refund voucher (clearly showing the merchant name, refunded amount and successful-refund status), your PIKABAO ID, and the amount to release (matching the voucher). The flow: submit a ticket in your account with the three items attached (fund tickets have the pipeline examined within 90 minutes; never send screenshots or card numbers in any private chat) → wait for the risk-control review, up to 72 hours, with the conclusion delivered by ticket → approved means early release; not approved simply means the 90-day freeze runs to expiry.

Subscription tutorials went live as a coherent set by scenario: AI subscriptions cover subscribing, renewing and card-binding terms for ChatGPT, Claude and other mainstream AI tools; ad spend covers card binding, pre-authorization holds and charge cadence for Google Ads, Meta Ads and similar accounts; streaming subscriptions cover Netflix, Spotify, Apple Music and other platforms that decide content by region and time zone. Each article quotes the official wording first and then explains the practical boundaries; prices are labeled with the capture date and defer to the official pricing pages of the current version.

Account deposits run only on the TRC20 and ERC20 networks of USDT; assets sent over other networks (BEP20, for instance) can't be credited and can't be recovered along the original path. Every account has a dedicated deposit address that stays valid long-term — it doesn't expire, so you can save it and reuse it. The reason for narrowing is straightforward: while several networks were supported, the cost of failed credits and reconciliation fell almost entirely on the user; with two networks left, there is only one thing to check when something goes wrong — whether you used one of these two.

A new batch of US-region card BINs was added, widening what you can choose from. The new ranges are genuine US BINs like the existing ones, meant for cases that explicitly require a US issuing country — switching an Apple ID to the US store, or Netflix US. Expanding the ranges also reduces the knock-on effect when a single BIN range gets flagged by a merchant's risk control.

The product moved to v1.1 with interface and feature improvements, adding card selection by payment scenario: pick the scenario first (AI subscriptions / ad spend / streaming / app stores / e-commerce), and the page recommends the card type and issuing region for it and flags the most common failure reasons in that scenario. You no longer have to cross-reference a table to decide which card type goes with which region.

Local BIN ranges opened in Hong Kong (China), Japan and Singapore, extending issuing regions to five alongside the existing US and European ranges. Local BINs solve the "the platform judges you by issuing country" class of problem: Japanese platforms require a JP BIN, and some Hong Kong and Southeast Asian platforms accept only their own region's BINs — US cards used to be rejected right there. When choosing a card, just ask whether the platform checks the card network or the issuing country.

The team workspace went live for multi-person use: one main account can hold several members, with cards and spending limits assigned per person; top-ups go into the main account and the administrator allocates and reclaims them, so nobody has to top up individually; each member's spending is visible per person, and cards and limits can be reclaimed immediately when someone leaves. It suits small teams sharing a budget for ad spend, or subscribing to several AI tools at once.

The PIKABAO brand site went live with all three card types — Visa, Mastercard and US BIN — available from the first release, selectable by card network and issuing region when you open a card. The operating entity completed its Hong Kong (China) registration, with the entity name, business registration number and registered address verifiable independently on the compliance page; in the same period, cooperation with upstream licensed card issuers kept expanding, leaving the channel open for opening BIN ranges by region later on.