1, Change Pass is a wealth management product on WeChat, and its partners are all money funds. Users can choose E Fund Management, harvest fund Cash Tian Li and other monetary funds. The income of each fund is not much different, and the income will be slightly different at different times. For example, the annualized rate of return of Easy Finance in recent seven days is 3. 195%, and the investment is 1 10,000 yuan, which can generate a daily income of 0.86 yuan.

2. Yu 'ebao is a wealth management product on Alipay. The main partner is Tian Hong Fund, which is also a money fund company. The annualized rate of return in recent seven days is 2.2870%, and the investment is 1 10,000 yuan, which can generate 0.62 yuan a day.

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First, the difference between Yu 'ebao and change pass:

1, different platforms:

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The balance treasure is provided by Alipay, and the change pass is provided by WeChat.

2. Different money funds:

Both Yu 'ebao and change pass are connected to the money fund, but different money fund products have different financial benefits.

3. Different interest rates: the interest rate of change pass is higher than that of Yu 'ebao, one is 2.68% and the other is 2.42%. Of course, this difference is mainly due to the fact that Yu 'ebao was launched much earlier than the change pass. The interest rate of Yu 'ebao was as high as 4% at first, but now it is gradually decreasing with the increase of users.

4. Different purchase quotas:

Yu 'ebao now has a purchase quota, and the time is 9: 00 every morning. If you buy it too late, you may not be able to buy it successfully because the total amount of Yu 'ebao is full that day. Want to buy can only wait for the next day. In this case, change transfer should be more flexible. There is no limit to the purchase amount. Basically, you can buy as much as you want, but there are restrictions when you want to redeem it. Generally 10000.

5. The payment process is different:

Yu 'ebao is more convenient than the change card, because it can be consumed directly, and the change card must be transferred back to the change wallet before it can be used. Although the change card can be quickly transferred into the change wallet to realize instant transfer, the extra step will affect the user experience to some extent.

6. Different payment scenarios:

The payment scenarios of Alipay and WeChat are different. Alipay was born to make it easier for Taobao users to pay, so it is more convenient to pay online now. As a social app, WeChat launched a third-party payment, which is called "coin purse", which means it is more suitable for offline micropayments. However, the boundary between the two was gradually broken, and Alipay also satisfied almost all offline payment scenarios.