Baixin bank can use WeChat to pay, but you need to open an electronic account with the payment partner in baixin bank first, and you need to check the credit when opening it. After opening, it can be bound to WeChat payment, which can be spent within the credit limit, but at present, it does not support transfer, credit card repayment and red envelopes, which is a bit like flowers. In addition to WeChat, Pay Companion can be used for online consumption with merchants in Applepay, Huaweipay and MIpay. Baixin bank is jointly funded by Baidu and CITIC. Most of them use virtual bank cards, and transactions are conducted online, so they can be consumed in advance.