Throughout the current third-party payment market, Aifu has achieved bank-level risk control and security in terms of risk control and security model and technical standardization. In the risk control system, by integrating all platform resources of the People's Bank of China, UnionPay and commercial banks, based on national policies, the fund supervision and transaction monitoring are implemented in a full-scale and full-chain manner. Based on the four core links of "risk prevention, risk monitoring, risk investigation and risk disposal", risk control measures are taken from the qualification examination of network access to the real-time monitoring of transaction data by the risk system to the investigation and handling of risk cases until the risk cases are handled and submitted to the regulatory authorities and public security. In terms of security technology, Aiai has realized the Aegis-level fund security matrix for users with three core modules: network security measures, transaction authorization security measures and follow-up remedial measures. Some experts in the industry pointed out that under the current tide of revolutionary innovation in payment, the central bank's supervision of Internet finance is conducive to market rectification, balancing rights and interests and reducing risk accumulation. At the same time, it is also an effective measure to further strengthen the third-party payment enterprises and improve their own risk control and security system.