Since Zhaocaibao and Yu 'ebao are both from Ali, they can be seen on Taobao's wealth management website, but Zhaocaibao and Yu 'ebao are different. In short, the difference between the two is that the balance treasure is flexible and the lucky treasure is regular, as shown below:

1, Yu 'ebao can be understood as the temporary financial management of the money prepared for shopping, and the funds in Zhaocaibao will be used exclusively for financial management. In addition, Lucky Treasure will no longer consider the consumption and use of users like Yu 'ebao. The money in the lucky treasure will be used exclusively for financial management and cannot be used for consumption at any time.

2. The income of Zhaocaibao is higher than that of Yu 'ebao. At present, the income of Yu 'ebao is only about 4%, while the general income of super financial reports is 5.4% to 7%, and the term ranges from 3 months to 3 years.

The positioning of Lucky Treasure is very similar to the current P2P online loan. It provides information on the supply and demand of funds through the Internet platform, matches borrowers and investors, and allows financiers to obtain funds.

However, there are several major differences between Lucky Treasure and ordinary P2P websites. The Lucky Treasure Platform itself does not publish any wealth management products and loan projects, nor does it set up a fund pool, provide investment guarantees or make maturity mismatches. At the same time, the Lucky Treasure platform does not interfere with pricing, and the price is jointly decided by the financier, the investor and the financial institution providing risk management.