The pocket money account of JD.com's small vault mainly includes shopping mall consumption, white note repayment, regular repayment, credit card repayment, financial appointment, white note purchase in the small vault, transfer function, mobile phone recharge, living payment and other financial products that are not exclusive to the small vault's financial funds.

Jingdong Xiaojinku's wealth management account only supports the purchase of regular wealth management, funds, gold and smart account products and the repayment of IOUs, gold bars and IOUs loans (automatic repayment is not supported for the time being), focuses on wealth management, provides large, fast and safe wealth management accounts, and does not support shopping malls, credit card repayment and other scenarios.

Jingdong Small Treasury is an asset appreciation service created by Jingdong Finance for individual users. Transferring to Jingdong Small Treasury means buying money fund wealth management products of fund companies. The funds in the small vault of Jingdong can be transferred out at any time or used to purchase financial products of Jingdong Finance, such as JD.COM Mall consumption, IOUs repayment, credit card repayment, telephone recharge, living payment, and can also receive claims for mall transportation insurance, automatic transfer of mall balance, after-sales refund, etc.

Reference materials? Jingdong Finance _ Jingdong Xiaojinku