Don’t worry, Yu’E Bao is currently very safe and the probability of accidents is quite low.

Note: Related security knowledge Yu'E Bao is a service launched by Alipay for individual users to make fund payments through balance.

Transferring funds to Yu'e Bao means purchasing corresponding financial products from fund companies and other institutions.

The first phase of Yu'E Bao supports Tianhong Fund's "Yu'E Bao" monetary fund.

Monetary funds are mainly used to invest in securities with high security and stable returns such as treasury bonds and bank deposits. In 2012, the average 7-day annualized return rate of domestic monetary funds was approximately 3.8%.

Generally speaking, as a type of fund product, monetary funds may theoretically suffer losses, but historical data shows that the risk of stable returns is minimal.

Digital certificates are one of the identity certificates for using Alipay account funds, encrypting information and ensuring the security of account funds.

Digital certificates are issued by the CA center, an authoritative and impartial third-party organization.

The specific functions include the following two points: 1. Enhanced security: Bind the Alipay account to the computer or mobile phone used. Even if the other party steals the password, the funds cannot be moved on other devices, ensuring the security of the funds.

Digital certificate users, if they log in to their Alipay account on other devices and the device does not have a digital certificate installed, they can only query the account and cannot perform any operations. The digital certificate is equivalent to configuring a "key" for your account, which greatly enhances the

Security of account use.

2. Increase the limit: Using Alipay's digital certificate, when you initiate "transfer to Alipay account" on the Alipay website, the immediate transaction limit is 20,000 yuan.