Institutional background: Yu 'ebao belongs to Tianhong Fund, a monetary fund, and its investment is risky. Dinghuobao is a three-year time deposit, which belongs to Baidu, the backstage of online merchant bank.

Alipay is a very popular mobile payment software, where you can find any payment function you want. Alipay has also introduced two functions: Yu Baoli and Ding Huobao.