First, from the perspective of investment risk, because the money fund's investment direction is mainly cash, bank time deposits or certificates of deposit within one year, short-term bonds and so on. The investment risk is extremely low.

Second, from the perspective of account security, the baby's account security is more secure. Specifically, in the account of the shopkeeper's wallet, the account is relatively safe because of the single card closed transaction, that is, the funds must be bound to the same card, and the funds cannot be transferred to other bank cards, thus avoiding the possibility of the funds being stolen and transferred.

Third, compare the restrictions on the subscription and redemption of other Internet babies. For example, Yu 'ebao pays a maximum of 50,000 yuan per day, and Xingye shopkeeper wallet can realize a maximum transfer amount of 30 million yuan per day for the bound Industrial Bank Card. For ordinary users, such a quota will basically not feel bound.