The "small vault" is based on the online banking wallet and is the carrier of JD.COM. COM account system. Its purpose is to integrate the shopping payment, fund management, consumer credit and investment and financial management needs of JD.COM users. The "Small Treasury" will first serve more than 6,543.8 billion users in JD.COM, and pay close attention to JD.COM. Do your own thing. Users in the vault of JD.COM Mall can purchase money fund products after transferring funds into the vault, and the funds in the vault can also shop in JD.com Mall at any time.