What we buy in Alipay are investment funds, mainly including (from low risk to high risk) money funds, bond funds, hybrid funds and stock funds. Yu 'ebao is one of them and belongs to the money fund. Even if its income is relatively stable, it is still not interest. The amount of income depends on the income of the investment target and the management level of the fund manager.

The funds in Alipay are not operated by Alipay itself, but a consignment behavior, which can be understood as an intermediary, and the handling fee is divided. Therefore, the funds in Alipay are unreliable, and no one can give an accurate answer, because fund investment itself is risky, and even the best fund managers will lose money when the market goes down. Alipay does not bear the risk of loss, and the risk of loss should be borne by the investors themselves.

In other words, the funds in Alipay are unreliable, depending on which fund (or fund manager) itself is unreliable, and even depends on whether the offline market is reliable.

If you are worried about the safety of money going in and out, don't worry. This is the same as a bank buying a fund. When you buy a fund, the funds will enter the fund company, and then the fund company will invest. Funds can only go in and out with the original account.