JD.COM Baitiao is a consumer credit product. Users can shop on JD.COM platform through JD.COM Baitiao and choose to pay in installments. JD.COM IOUs have a certain credit limit and repayment period, and users can choose different repayment modes according to their own needs. The application and use of JD.COM IOUs are relatively simple, which is suitable for personal consumption scenarios. JD.COM Kentley Fund is a wealth management product, and users can invest their money in JD.COM Kentley Fund. JD.COM Kentley Fund is managed and operated by a professional fund management team, aiming at providing investors with stable income. The investment model of JD.COM Kentley Fund is relatively complex, which requires users to conduct risk assessment and choose a suitable portfolio.