Chinese Wealth Management Units Roll Out T+0.25 Morning Redemption Service

Redemption speed is emerging as a competitive battleground among Chinese wealth management units, and the shift from T+0.5 to T+0.25 shows how quickly that bar is being reset. The pressure lands hardest on firms still on slower settlement, since merchant and cash-management clients tend to treat faster access to their own money as a baseline rather than a differentiator. Whether the T+0.25 standard spreads beyond China Post to the rest of the field is the open question, along with how far settlement times can compress before operational limits bite.