Friends who have used JD.COM Mall for shopping or Jingdong Finance should pay attention to "JD.COM Treasury" and "JD". COM white strip. " These two products are mainly promoted by JD.COM, but some friends often confuse them and think they are the same. Is the vault in JD.COM the same as that in JD.COM? What's the difference?

Is Jingdong Small Treasury the same as JD.COM White Bar?

1 has different functions.

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. JD.COM White Bar is an Internet consumer financial product, which is a payment method of "consumption first, payment later" introduced by JD.COM.

Two different application ranges

Jingdong Small Treasury has integrated the shopping payment, fund management, consumer credit and investment and financial management needs of JD.COM users, and the personal account system in JD.COM has thus formed a complete closed loop from e-commerce to finance. JD.COM's white stripes opened up JD.COM. COM's house purchase, global purchase and product crowdfunding within the JD.COM system have extended from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for consumers.

3 Different incomes

Jingdong small treasury can buy money fund products and get extra income from the money fund. JD.COM IOUs can't buy money fund products, and there is no extra income.

To sum up, the two products are different in function, scope of use and profitability, and they are different products.