> For the complete documentation index, see [llms.txt](https://tomyum-swap.gitbook.io/tomyum-swap-whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://tomyum-swap.gitbook.io/tomyum-swap-whitepaper/overview/the-current-problems.md).

# The Current Problems

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**TomYum Swap:** Thailand's vibrant economy and booming tourism industry attract a global audience. However, this influx often faces significant financial obstacles.
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<figure><img src="/files/YXrW1HM5opl6mokyDQnk" alt="" width="78"><figcaption></figcaption></figure>

### Card & ATM Challenges

* **Limited Acceptance:** International credit and debit cards are often not accepted.
* **ATM Issues:** Travelers frequently face problems with ATM machines, including card retention and security concerns.&#x20;
* **Withdrawal Limits:** Foreign cards often have restrictive daily withdrawal limits, affecting financial autonomy.&#x20;
* **Blocked Cards:** Security protocols can block cards after ATM or POS use, causing inconvenience and stress.&#x20;
* **High Fees:** Users face high fees and reliance on physical locations.

<figure><img src="/files/YXrW1HM5opl6mokyDQnk" alt="" width="78"><figcaption></figcaption></figure>

### Crypto To TBH & Back Issues

* **Limited Acceptance:** Cryptocurrencies are not widely accepted as payment in Thailand.&#x20;
* **Conversion Challenges:** Converting crypto to Thai Baht typically requires a local bank account.&#x20;

<figure><img src="/files/YXrW1HM5opl6mokyDQnk" alt="" width="78"><figcaption></figcaption></figure>

### Digital Payment Barriers

* **QR Payment Restrictions:** Non-residents can't use the popular Thai QR instant payment system without a Thai bank account.&#x20;