"Zero Money Treasure" is actually a fund direct selling system built by fund companies in Yifubao. Yifubao and fund companies complete one-stop services such as fund account opening and fund purchase for users through system docking, breaking the tradition of many traditional fund industries, and the whole process is very simple.

The funds deposited by users in the "change treasure" can be quickly withdrawn to the bank card or Easy Pay treasure account at "T+0" 24 hours a day. In addition, users can directly use the "change treasure" funds to shop, pay fees, charge phone bills and repay credit cards in Suning.cn. "Zero Money Treasure" actually provides an overall solution for ordinary customers from wealth management, value-added to daily consumption, allowing users to realize wealth management and shopping.

The 7-day annualized rate of return of two money funds accessed by Suning "Zero Money Treasure" has been maintained at a high level of over 6%, and the income is higher than that of similar products in the market. The relevant person in charge of Suning's financial business department said that Suning launched the "change treasure" balance wealth management business, and through the professional investment experience and investment ability of cooperative fund companies, it gathered ordinary people's "change" to realize value-added services for users.