fundamental analysis. forexfactory.com
lets say that's a report from Japan come in worse than expected, people tends to sell off yen and buy the greenback.
Now is about the QE. QE STOPS = greenback go strong.
All will favor the Greenback rather than YEN.

the Payoneer card is a prepaid mastercard from the company Payoneer.com. Means you keep you money in USD.
Lets say QE stop, USD go strong, MYR becomes useless toilet paper.
To keep safe of your fund from depreciation = 2nd forex investment. you can choose to keep your FUND in USD by keeping in the Payoneer.
You can also go shopping with that card in Msia, just like normal debit card.

Debit card= take from your saving/current account.
Payoneer card= take from the amount you transfer into the card.