1. Personal account of online merchant bank: To open the account, you need to open a personal account in online merchant bank first to ensure that you have completed the account opening process.

2. Real-name authentication: Before launching Yu 'ebao, you need to complete the real-name authentication of the online merchant bank to ensure that your identity information has been verified.

3. Risk assessment: In order to protect the rights and interests of investors, online merchant banks will require you to conduct risk assessment to understand your risk tolerance and investment preferences.

4. Capital account: You need to open a capital account in the online merchant bank to transfer funds in and out.

5. Balance requirements: Opening Yu 'ebao requires your account balance to meet certain requirements, and the specific requirements may be different according to bank policies.

The above is an introduction to the general conditions for opening Yu 'ebao. The specific opening process and requirements may change due to the adjustment of bank policies. It is recommended that you read the relevant regulations of online merchant banking in detail or consult customer service staff before opening to ensure that you meet the opening conditions and understand the relevant risk warnings.