JD Little Treasury is an asset value-added service created by JD Finance for individual users. Transferring to JD Little Treasury means purchasing monetary fund financial products from a fund company.

The funds in JD’s small vault can be transferred out at any time or used to purchase financial products on JD Finance, JD Mall consumption, IOU repayment, credit card repayment, phone bill recharge, living payment, and can also receive mall freight insurance claims and automatic transfer of mall balances.

, after-sales refund, etc.

The income of Jingdong Small Treasury is settled daily and calculated with compound interest. The income obtained is automatically used as the principal to obtain new income on the second day.

The income calculation formula (funds in Jingdong's small vault/10000) is the income per 10,000 shares announced by the fund company on that day (the income per 10,000 shares is a fluctuation value, which is announced daily at the fund company).

For example: The funds in Jingdong's small treasury are 20,000 yuan, and the fund company's income per 10,000 yuan on July 6, 2017 is 1.2473, then the income of Jingdong's small treasury on July 6 = 20000/10000x1.2473=2.4946 yuan.