The change pass in WeChat is safe, which is mainly reflected in two aspects: financial security and financial security.

1, capital security

The change of account is approved by relevant departments and belongs to a legal financial service platform. The funds in the change account are also protected by the WeChat account security system. Therefore, the change pass in WeChat is safe and can be used with confidence.

2. Security of financial management

Change Pass is a platform for Tencent's subsidiaries to cooperate with a number of financial institutions to provide users with diversified financial services. Fund sales organizations provide sales services of money fund products, and fund companies provide operation and management services of money funds. Users transfer funds to the card, that is, buy their own money fund products and enjoy the money fund income. Money fund is a fund product that can be purchased and redeemed at any time, belonging to low-risk financial management products. Therefore, the change pass in WeChat is safe and can be used with confidence.

* Take iphone 12 mobile phone, iOS 14.6 system version and 8.0.6 WeChat version as examples. Different models and versions of mobile phones are usually used.

Is it safe to change your visa?

Coins are risky. Bitcom is similar to Alipay and belongs to the money fund, but its risk value is very low. Moreover, the money fund of Bitong is not a capital preservation type and has strong liquidity, so the funds in Bitong are easy to extract and use.

In addition, the income of "change pass" is different from that of bank demand deposits. What banks deposit is interest, but the general principle of change is fund income, which is different.

In terms of security risks, buying funds is definitely risky compared with bank deposits. In other words, changing a pass is also an investment, but the investment will be risky, although generally speaking, the income from changing a pass is much higher than the bank interest.

Wechat's "change pass" funds are small in scale and belong to the "small high frequency" financial management scenario. The way to transfer money can be not only through WeChat change transfer, but also through other channels such as bank cards.

The part transferred from WeChat change can only be transferred back to WeChat change, and the part transferred from bank card can be directly withdrawn to bank card. Among them, the source of WeChat change mainly comes from sending and receiving red envelopes and transferring money between friends, while the consumption scenes are mainly taxis and meals, all of which are small scenes. The single-day limit of WeChat "Change Pass" is 65,438+10,000 yuan, and the maximum limit of WeChat change payment is 200,000 yuan/year.

Wechat Bitcom is a platform supported by Tencent Bitcom. Tencent Tenpay cooperates with a number of financial institutions to provide users with diversified services. Change Pass assists financial institutions to provide account opening, online trading, information inquiry and payment and settlement services for related financial services. The function of change pass is only as a platform, which combines people with loan and financial needs to provide a platform.

At present, Qianqian is cooperating with financial institutions, which provide financial products, are responsible for the design of financial products, and sign contracts with investors who buy financial products to provide investment management services and asset allocation. Financial institutions' wealth management products are inherently risky, so when purchasing wealth management products, they need to understand the relevant investment risks, fully consider their own risk tolerance, choose appropriate wealth management products, and make correct investment decisions.

At present, there are mainly three wealth management products, namely Jia Zhijian Li Jintian, Southern Cash Connect E and Yifangda Easy Wealth Management. You can learn about these three money funds by yourself. Generally speaking, the possibility of money fund losses is relatively small, just like Tian Hong Fund of Yu 'ebao, which belongs to low-risk wealth management products.

According to the statistics of Zhongyin.com Data Center, the word "financial management" first appeared in the late 1990s. With the expansion of China's stock and bond markets, the enrichment of commercial banks and retail businesses, and the increase of citizens' overall income year by year, the concept of "financial management" has gradually become popular. Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and online loans. Belong to personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities.

Is Tencent's change reliable?

1, WeChat is more reliable. First, Bitcom is a wealth management product based on WeChat platform, which is very safe and reliable from the platform. Secondly, the money in the money pass belongs to the money fund, and the risk is very low, so you can buy it with confidence. If there is demand, click "Pay" on WeChat "I" and then open the "Wallet" to see the entrance of the change pass.

2. Coin Pass is a low-risk, low-starting money fund provided by Licaitong. Other funds provided by Licaitong have different risks, starting thresholds and closing periods, such as higher annualized returns and risks, starting investment of * 1 0,000 yuan, closing 180 days or fixed period 1 month. The change pass is a function launched by Tencent Wealth Management. Wechat will guarantee users' funds. In addition, the funds transferred to the change card can also be paid directly, and red envelopes can be issued. You can also switch back to WeChat change. So in terms of risk, it is extremely low at present.

There are currently four kinds of funds to choose from. The annual income is generally between 4% and 4.5%. The change pass belongs to the money fund, and the risk is extremely low. It is normal for income to be delayed occasionally, and the general income delay is due to the transfer of funds on weekends or holidays. In general, income is calculated normally. The annualized income of the four funds in the exchange is slightly different, so you can choose by yourself. Although the yields of the four funds are different, they are roughly the same. If you transfer more funds, there is almost no difference in income. For example, if you deposit 1000 yuan, no matter which fund you choose, the daily income will be 0. 1 yuan or 0.1yuan, and few people will care about the difference of a penny every day. However, if the amount of transferred funds is relatively large, you can consider choosing products with higher returns.

4. Generally, the income from changing the visa is around 4.3%, and there is no loss at present. Moreover, this 7-coin fund generally does not cause principal loss. In general, the safety factor of WeChat change pass is still relatively high. Occasionally, there will be system upgrades or delays in holiday reception. Under normal circumstances, there will be no loss.