Wechat payment is a mobile payment launched by Wechat, which is consumed by binding bank cards. The financial management function inside is similar to that of Yu 'ebao. In fact, money funds are all bought through mobile clients (only Huaxia Fund is supported at this stage). Money is transferred from the bound bank card (which must be a debit card), and the proceeds can only be transferred to the bank card with the same name. Like Yu 'ebao, it supports 24-hour cash transfer, but it cannot be directly paid and returned to the credit card through wealth management, which is safer than Yu 'ebao. At present, Licaitong has no independent client and can only be accessed through the WeChat interface, and there is no computer access function. The supported banks are still limited, only the debit cards of Minsheng Bank, China Merchants Bank, China Construction Bank, China Everbright Bank, China Guangfa Bank, Shanghai Pudong Development Bank, Industrial Bank, Ping An Bank, Bank of China, Industrial and Commercial Bank of China, China CITIC Bank, Agricultural Bank and other 12 commercial banks. Tenpay is a payment method introduced by Tencent (similar to Alipay). It has a computer client and a mobile phone client, and also has the functions of recharging and direct consumption. However, it does not have the financial function of purchasing funds (that is, the money inside will not increase in value), but TenPay supports as many as 52 banks.