Method 1: 1. Open the Alipay APP； of the mobile phone; 2. Click the "All" option on the home page; 3. Click the search box at the top of the page and enter "Merchant Service"; 4. Click to enter "Merchant Service" to find Yu Libao. It should be noted that only the seller's Alipay account can use Yu Libao, so it is normal for ordinary users not to find Yu Libao according to the above steps.

Method 2: 1. Open the seller Qianniu APP； on the mobile phone; 2. Slide down on the homepage to find Yu Libao.

Yu Libao is a cash management product mainly for individuals, small and micro enterprises and merchants. This product is jointly launched by online merchant bank and Tianhong Fund. Yu Libao has the characteristics of low risk and high liquidity. The income generated by Yu Libao mainly comes from investing in treasury bonds, bank bonds and other products with relatively low risks. In addition, Yu Libao is backed by online merchant banks, and the security of funds is also guaranteed. Yu Libao's transfer-out limit and time: individual users can transfer less than or equal to 1 million yuan from a single fund account every day, and if it exceeds, it will arrive on the next fund trading day. Enterprise users can transfer less than or equal to 5 million yuan from a single fund account every day to the account in real time, and if it exceeds 5 million yuan, it will arrive on the next fund trading day.