xiànchāo shì shǒulǐ de zhǐbì xiànhuì tōngcháng shì zhànghù lǐ de wàibì zījīn

现钞是手里的纸币，现汇通常是账户里的外币资金。

Physical cash refers to the banknotes in hand, while foreign exchange usually refers to foreign currency funds in an account.