The total profit of Alipay wallet refers to the total profit formed by all the converted equipment and goods in the fund account. Generally speaking, the total profit of stock funds is negative, which means losing money.

Alipay profit model 1. Charge by flow. The free use amount of Alipay is 1000 yuan (real-name authenticated user 10000 yuan), and a handling fee of 0.5% will be charged for the excess.

2. Technical service fee. Third-party websites use Alipay as a payment tool and need to pay a service fee to Alipay. JD.COM stopped its service with Alipay because it had to pay a large service fee to Alipay every year.

3. Working capital investment. A large amount of cash is deposited in Alipay account and paid to merchants one week later, so this large amount of liquidity can be used by Alipay for circular investment or interest.

4. Commercial loans. Alipay provides loans to small and medium-sized sellers and makes profits by interest.