First, the functions are different.

1, JD.com Small Treasury: Users can purchase money fund products after transferring funds to JD.com Small Treasury, and the funds from JD.com Small Treasury can also be purchased at JD.COM Mall at any time.

2.JD.COM IOU: JD.COM IOU is a payment method of "consumption first, then payment".

Second, the scope of use is different.

1, Jingdong Small Treasury: Jingdong Small Treasury integrates the shopping payment, fund management, consumer credit and investment and financial management needs of JD.COM users. From e-commerce to finance, JD.COM. The personal account system of COM thus forms a complete closed loop.

2.JD.COM IOUs: JD.COM IOUs got through to JD.COM. COM, global purchase and product crowdfunding within the JD.COM system, and then gradually cover areas such as renting, tourism, decoration, education, wedding, etc., extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for consumers.

Third, income is different.

1, JD.com Small Treasury: JD.com Small Treasury can obtain additional income from the IMF by purchasing IMF products.

2.JD.COM Baitiao: JD.COM Baitiao can't buy money fund products, so there is no extra income.