No, JD.COM white bars and gold bars are provided by JD Finance, but JD.COM white bars belong to an installment payment method of "consumption first, payment later" introduced by JD.COM, which is similar to the ant flower garden, while JD.COM gold bars belong to the cash loan service introduced by JD Finance, and their quotas are independent and not shared. “JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and random installment".