Futu Niu Niu is an online brokerage company, which provides two services: a US dollar fund account and a US stock deposit account. There are mainly the following differences between them:

1. Different functions: The USD fund account is mainly used for purchasing and managing USD funds. You can purchase, redeem and manage USD fund positions under this account. The US stock financing and securities lending account is suitable for buying and selling US stocks, and provides the function of stock financing and securities lending.

2. Different investment types: USD fund accounts mainly involve USD fund products, which may include stock funds, bond funds and index funds. According to your investment preferences and risk tolerance, choose the right fund products. The US stock margin account mainly involves stocks and trading varieties in the US stock market.

3. Risk and income are different: the risk of the dollar fund invested in the dollar fund account is relatively low, but the income is relatively stable. However, the US stock market involved in the US stock margin account has great volatility and high risk and income potential, which requires investors to have certain risk tolerance and investment experience.

4. The transaction process is different: the transaction process of the USD fund account is relatively simple. Generally, the fund can be bought, sold and redeemed through the trading interface of Futu Niu Niu. However, the trading process of US stock margin accounts is relatively complicated, which requires investors to open margin accounts, understand the trading rules and conduct risk assessment before trading.