1. Different functions: The function of JD.com Treasury is that users can purchase money fund products after transferring funds to JD.com Treasury, and the funds in JD.com Treasury can also shop in JD.COM Mall at any time; The white note function is the payment method of "first consumption, then payment".

2. Different scope of use: Jingdong Small Treasury integrates the shopping payment, fund management, consumer credit and investment and financial management needs of JD.COM users. From e-commerce to finance, JD.COM's personal account system has thus formed a complete closed loop. JD.COM Baitiao opened up JD.COM's home shopping, global shopping and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for consumers.

3. Different income: JD.com Treasury can get extra income from the money fund when it buys money fund products. JD.COM IOUs can't buy money fund products, and there is no extra income.