Banking and financial industry
Leqi Joint Use Solutions

The bank does not yet have Leqi joint-use qualification, can Kailing help apply?

Yes. Leqi joint use requires first applying to the competent tax authority for direct connection access qualification. Materials include the Leqi joint use direct connection access information form, Leqi joint use commitment letter, project report (business description + technical description including classified protection security plan + tax-related risk prevention and control plan), network address filing form, fixed dedicated use certificate, software copyright or authorization certificate, etc. The project report is the most likely to be rejected. The application materials for Leqi joint use are similar to Leqi self-use. Kailing has handled a large number of Leqi self-use and direct connection access applications and integrations, and can serve as a third-party transformation service provider to fill in and guide materials on behalf of the enterprise, reduce rejections, and speed up approval. It can also first use qualification thresholds (paid-in registered capital of more than 10 million, self-owned system transaction revenue of more than 100 million in the 12 months before access, and tax credit rating of A or B in the past 3 years) to help banks determine whether access is possible. The specific materials and standards are subject to the actual requirements of the competent tax department.

The bank has Leqi joint-use qualification, why can't the front end still be implemented?

Leqi Joint Use qualification is a general back-end capability, but banks generally lack four pieces: industry scenarios (no ready-made approach for which merchants to target on the front end), merchant-side products (no payment instant invoicing tool that can be directly distributed to merchants), technical integration (many Leqi interfaces, fast updates, and also need to connect with retail management/cashier/acquiring), and operations and customer acquisition (how to develop, install, train, and reconcile merchants). What Kailing fills in is exactly these four pieces.

How do Kailing and banks divide responsibilities? Who is responsible for invoicing compliance?

Provide two models: Model 1 has the bank as the operating entity for Leqi Direct Connection/joint use, with Kailing providing technical and scenario capabilities, and the bank as the invoicing compliance entity; Model 2 has Kailing as the joint-use operator, with the bank providing payment and delivery channels. Under both models, before invoicing for merchants, the merchant's invoicing clerk must complete real-name authentication and filing on the Leqi platform, and the interface strongly verifies the invoicer.

Does this business have a policy basis and a time window?

State Taxation Administration Announcement No. 11 of 2026 requires refined oil retail gas stations to achieve invoicing upon transaction by November 1, 2026, and clarifies that internet/platform enterprises may access the Leqi platform as direct connection units and provide Leqi joint-use services to onboarded gas stations. Invoicing upon transaction is being piloted by tax authorities first and gradually expanded to high-frequency industries such as supermarkets, catering, parking, and scenic areas; the specific scope is subject to announcements by local tax authorities.

What can banks gain from doing this?

According to public case feedback from local branches of ICBC, implementing "payment triggers invoicing" helps with account opening, customer growth, transaction volume increase, fund retention, and intermediary business income growth, upgrading payment into a merchant operation entry point of payment plus invoicing, and driving acquiring transaction volume.

Is Leqi Joint Use technical integration complex? How does Kailing reduce integration difficulty?

The Leqi Platform has many interfaces and fast updates, involving pre-assigned codes, dynamic credit limits, red-letter reversal, key security, and more. Kailing provides a full-chain connection foundation, connecting upward to Leqi and tax authorities and downward to retail management, cashier, and acquiring systems. Banks do not need to build it themselves; Kailing bears the technical complexity and shortens the go-live cycle.

How is data security guaranteed in bank-Kailing cooperation?

Kailing complies with national data security regulations and adopts measures such as encrypted transmission and permission control to ensure the security of transaction data and invoice information. Specific security solutions can be customized according to bank requirements, and responsibility boundaries are clearly defined in contracts.

If a bank adopts the Leqi joint-use solution, roughly how much does it cost? What are the returns?

Costs vary by bank scale and scenario complexity. Kailing offers multiple delivery models from lightweight to compliance-specific, reducing initial investment. In terms of benefits, according to a case of a local branch of ICBC, it can drive account opening, transaction volume growth, fund deposits, and intermediary income growth, which need to be evaluated based on the bank's own circumstances.