“Huan Qian,” or money exchange in English, is a low-profile but prevalent practice within the Chinese business community in Morocco. Most Chinese businesspeople in the country engage in informal, unregulated money exchange/transfer between Chinese RMB and Moroccan Dirham with other Chinese clients. Though theoretically, the underground money exchange is a lucrative business, most of those who engage in such activity only regard it as a sideline or an opportunity to offer financial convenience to fellow compatriots in Morocco. Drawing on my year-long fieldwork on the Chinese business community in Morocco and existing scholarship on the widely used Hawala money transfer in the MENA region, my paper presents a comparative study on the “Huan Qian” practice and the Hawala practice. The study identified multiple similarities between these two practices, such as the operational mechanism, the reliance on interpersonal trust, and their important role in counteracting financial exclusion. However, “Huan Qian,” in many cases, is not a professional, profit-driven business like the huge Hawala network; it requires in-person transactions involving only the money exchanger/transferer and the client who are familiar with and trust each other. In the “Huan Qian” practice, money is transferred directly between the bank accounts of the two participants or exchanged in cash. In contrast, the Hawala system almost always involves intermediaries living in the money receiver’s country, but both the money sender and receiver are not necessarily familiar with them. Thus, “Huan Qian” serves as a social instrument that brings unfamiliar Chinese businesspeople together and makes familiar ones even closer through a compulsory face-to-face exchange of personal information. As the informal money exchange/transfer offers better exchange rates and charges no transaction fees, the clients may, in many cases, believe the service they received is a personal favor provided by the money exchangers. Therefore, this practice forms an efficient way to incorporate newcomers into the Chinese business community and facilitate business cooperation between long-term participants. Informed by Keith Hart’s conceptualization of informality as unregulated yet purposeful value-generating economic activities, I call the “Huan Qian” phenomenon “casual informality,” which refers to informal activities carried out casually by participants who are not concerned with the size of profit margins but instead attentive to their social benefits. The phenomenon is also found in Morocco’s sub-Saharan and European communities, which opens room for further ethnographic engagement in this topic across the ethnic lines of expat communities.