Whether the JD Small Treasury should be opened depends on the needs of investors. The JD Small Treasury is an asset value-added service created by JD Finance for individual users. The entire process of opening, transferring in and out, consumption and repayment of the small vault is free; if the investor does not use it after opening, there will be no additional charges.

If you store money in a small vault, you can buy financial products such as financial management, funds, and gold. You can also spend it on JD.com, pay back white bars, gold bars, credit cards, mobile phone recharges, living expenses, etc. You can also use Get the income based on the income per 10,000 shares announced by the fund company on that day.

Warm reminder: Financial management is an investment behavior and is not equivalent to bank deposits. Investment is risky, please be cautious when purchasing!

Can money from Jingdong’s small vault be withdrawn at any time?

Money from Jingdong’s small vault can be withdrawn at any time.

The funds in Jingdong’s small vault are used for personal savings, just like the “Yue Bao” in Alipay. JD.com’s small treasury contains two accounts, one is a pocket money account and the other is a financial management account. Among them, the function of "pocket account" is mainly to provide services for users to shop in shopping malls, use JD Baitiao, and pay with credit cards. A financial management account is an account mainly focused on financial management. We can use JD.com for daily financial management and purchase of financial products, but we cannot exchange accounts. So if you want to use your petty money account, you can transfer money at any time.