"Salary Jinbao" is connected with Xincheng Salary Jinbao Monetary Fund. Compared with other "baby" products, "Jijinbao" has made a breakthrough in the subscription and redemption mode of the money fund and adopted the "automatic financial management" mode. Subscription automation means that a cardholder can set a minimum amount after applying for a Zhang Zhongxin bank card (savings card), and the excess amount will be automatically converted into a monetary fund. For example, a cardholder who holds a stored-value card of CITIC Bank signs a "salary pot" agreement through online banking or mobile banking, and then sets the guarantee amount of his bank card for daily expenses. Then CITIC Bank will automatically convert the excess demand amount into the goods base.

Redemption automation means that when customers need to use funds, they don't need to issue redemption instructions, they can directly withdraw cash or transfer money through ATM machines, or they can directly spend money by credit card. This will be the first cargo base in the industry that can directly withdraw cash from ATM.