Users in the vault of JD.COM Mall can purchase money fund products after transferring funds into the vault, and the funds in the vault can also shop in JD.com Mall at any time.
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Jingdong financial platform and the first batch of "small treasury" Internet wealth management products were officially launched, thus joining the "baby" melee of Ali, Tencent and Baidu. The first batch of "small coffers" in JD.COM include two money fund products, namely "living wallet" of harvest fund and "value-added treasure" of Penghua Fund. Users need to use JD.COM account to make purchases through online banking wallet.
On the first day of launch, the 7-day annualized income of the value-added treasure of the small vault and the live wallet were 5.683% and 5.578%, respectively, both exceeding the 5.472% of the balance treasure in WeChat Licaitong and the 5.444% of Huaxia Fund Caifubao, but lower than the 5.885% of Huitianfu Fund Quanbao just launched by WeChat Licaitong.
Liu Changhong, general manager of Jingdong Financial Capital Business Department, said that the vault is a personal asset value-added service provided by Jingdong Finance, and it can meet many needs of users except financial management by docking with JD.COM Ecological Circle. For example, users can seamlessly integrate into the consumption ecology of JD.COM after purchasing a small vault. The funds in the small vault can not only be used for shopping and consumption in JD.COM Mall at any time, but also be directly used for settlement of JD.COM IOUs bills and credit card repayment in the future.
Baidu Encyclopedia-Jingdong Small Treasury
People's network -JD. COM's "small vault" went online to join the "baby" melee.