Reasons for the low interest rate of Yu'E Bao in 2022: 1. Yu'E Bao's income is affected by monetary funds. A decrease in the monetary fund's income will also lead to a decrease in Yu'E Bao's income.

2. Affected by the investment of Tianhong Fund Management Company, lower investment levels will also lead to lower returns on Yu’e Bao.

3. Affected by market funds, bank funds are sufficient, indicating that the market is not short of money, which will also lead to Yu'e Bao's profits.

The interest rate of Yu'E Bao in Alipay fluctuates. Currently, it is 2.23% per seven-day annualized rate. The daily income for 10,000 yuan is 0.61 yuan. The daily income will change with the fluctuation.