1. The so-called electronic money means data representing the same amount, which can be directly transferred to the payment object by some electronic means. This currency has no physical form and is the financial credit of the holder. In fact, electronic money and cash (cash in a broad sense) are just different in form. So there is exchange rate risk. As long as there are trade and financial exchanges between countries, there is bound to be exchange rate risk.

You asked the bank if there is any exchange rate risk, and the answer is yes. As long as the economic activities of banks involve foreign exchange, there is bound to be exchange rate risk. Nowadays, cross-border payment of electronic money is extremely convenient, and cross-border settlement of banks will inevitably involve exchange rate issues, which will inevitably bring exchange rate risks.