Tianyibao is a wealth management product launched by China Telecom Wing Payment and Minsheng Bank, which was initiated by China Minsheng Bank to purchase Huitianfu Monetary Fund. This product mainly generates revenue through the direct selling bank "Ruyibao" of Minsheng Bank, which integrates payment accounts and wealth management accounts and is open to all users.

The revenue of Telecom Tianyibao comes from the money fund, which is the securities with high security and stable income that financial institutions invest in national debt and bank deposits. Generally speaking, as a kind of fund product, money fund may lose money in theory, but from the historical data, the risk of income stability is very small, so it can be used with confidence.