Difference:

1. Alipay: Alipay is a domestic third-party payment platform.

2. Yu 'ebao: the balance appreciation service and current fund management service products under Ant Financial can also be said to be a wealth management product.

3. P2P: also known as peer-to-peer network lending, is a private microfinance model that gathers small funds and lends them to people in need of funds.

In a nutshell, Alipay is like a virtual electronic transaction currency, and it is precisely a payment tool. Yu 'ebao is a fund-based wealth management product, and P2P is a concept, which refers to a way of online loan.

among them, one is a payment platform, the other is a wealth management product, and the other is a lending model, and there is no similarity.

Extended information:

Investment risk of p>P2P

First, it is a simple self-financing mode, which mostly adopts the method of high interest rate and tender opening, and uses investors' profit-seeking psychology to raise funds. Take Qianmou Venture Capital as an example. Most of the borrowers on the platform are the ID cards of Zhejiang Ruian, and all the properties, cars and land used for mortgage are located in Ruian. The trading capital chain shows that the company has only one account, and the rest are the personal accounts of platform controller Wang, and most of the funds flow to Zhejiang through Wang's personal account.

the second is the multi-platform self-financing and self-guarantee mode. The platform controller has established several platforms at the same time, and the funds between the platforms are borrowed from each other to meet the self-financing demand. The platform and the guarantee company belong to the same boss or group company.

Third, short-term fraud, which takes advantage of investors' psychology of making quick money, attracts customers' investment in the form of recharge and cash back, "second mark" and "day mark", and then absconds with the money before the first repayment cycle comes. The survival time is very short, and the shortest is only one day.

the fourth is Ponzi scheme. Investors' money did not enter the hands of real borrowers, but idling on the platform, and the funds were always controlled in the accounts of platform controllers and shareholders. Finally, after the platform failed to support or gained enough income, the actual controller fled.

References: Baidu Encyclopedia -P2P Baidu Encyclopedia-Alipay? Baidu encyclopedia-Yu' ebao