1, in different ways: Alipay Pocket is a platform for many people to jointly manage accounts. Users can put their own change in their pockets and manage it with family or friends. Yu 'ebao is an independent account and cannot be shared.

2. Different launches: Small wallet is a fund wealth management product launched by Alipay, jointly launched by Alipay and online merchant bank, and Yu 'ebao is a money fund product launched by Alipay, independently launched by Alipay.