磨损最小路径：（微信/支付宝—）加密货币—Fiat24—Wise—IBKR—Wise（—Fiat24—加密货币）—“微信/支付宝”；
磨损最大路径：国内银行—Wise—IBKR—Wise—国内银行。
入金：微信/支付宝—加密货币（靠谱交易所点对点交易，风险小，因为个人正规资金）；
出金：加密货币—微信/支付宝（靠谱交易所点对点交易，风险也大，因为不确定他人资产属性）。
故，最佳安全方案路径：微信/支付宝—Wise—…—Wise—微信/支付宝。
Lowest Wear and Tear PATH: (WeChat Pay / Alipay —) Cryptocurrency → Fiat24 → Wise → IBKR → Wise (→ Fiat24 → Cryptocurrency) → “WeChat Pay / Alipay”;
Highest Wear and Tear PATH: Domestic Bank → Wise → IBKR → Wise → Domestic Bank.
Inbound (Deposit): WeChat Pay / Alipay → Cryptocurrency (via reliable P2P exchange on trusted platforms; low risk as the sender is a verified individual using legitimate funds);
Outbound (Withdrawal): Cryptocurrency → WeChat Pay / Alipay (via reliable P2P exchange; higher risk due to uncertain nature of the counterparty’s asset source).
Therefore, the most secure PATH: WeChat Pay / Alipay → Wise → … → Wise → WeChat Pay / Alipay.