Coin Pass is a fund or a wealth management product

Coin Pass. South**, Harvest**, etc.

Funds deposited by users will be invested in a number of currencies**.

Enjoy a certain amount of income, therefore, change pass is a wealth management product.

At the same time, users can use the money in the change pass directly for consumption, such as transferring, sending red envelopes, scanning QR code payment, credit card repayment, etc.; If the funds in the change pass are transferred by the user's bank card, the user can transfer this part of the funds from the change pass to the bank card at any time, and the transfer is free, within 10,000 yuan per day, 2 hours to the account, or transferred to the change;

If the funds in the change pass are mainly transferred from the change, this part of the funds cannot be directly transferred out to the bank card, but the user can transfer this part of the funds to the change first, and then transfer it out from the change to the bank card, but a handling fee is charged.

Extended information: Coin Pass is the latest function of WeChat, and the Coin Pass function is very similar to Yue Bao: users can use the money in Coin Pass directly for consumption, such as transfer, send red envelopes, scan QR code payment, repay credit cards, etc.

At the same time, when the funds are placed in the change pass and are not used, you can automatically earn income.

Coin Pass. "A few days ago, it began a small-scale test to tens of thousands of WeChat users, mainly for some employees of Tencent in Shenzhen and WeChat users who have previously opened the change financial management function, and the official opening time is still uncertain.

subsidiary"Yue Bao"Products.

WeChat"Coin Pass. "The scale of the fund is not large, it belongs"Small high frequencies"Financial management scenarios. The way to transfer funds into change can not only be transferred through WeChat, but also through other channels such as bank cards. The part of WeChat change can only be transferred back to WeChat change, while the part of bank card transfer can be directly withdrawn to the bank card.

WeChat has been launched before"Change money"function, but this part of the wealth management funds are separated from the change account, and it is impossible to consume at any time while managing money, Tencent said"Coin Pass. "The launch is to better enhance the user experience of WeChat.

There is no cooperation. The user goes to"Coin Pass. "will be a market managed and sold by the above three companies.

Yes, you can check it out.

Priority is given to the selection of relatively stable and relatively high yields, and the pursuit of long-term returns, the overall yield is higher.

1. Change Pass is the latest function of WeChat, the change pass function is very similar to Yue Bao, users can directly use the money in the change pass for consumption, such as transfer, send red envelopes, scan code payment, repay credit cards, etc., at the same time, when the funds are placed in the change pass is not used, you can automatically earn income.

2. Change Pass is a WeChat payment basic service account alongside "change", users can directly enter by opening change pass, to achieve change financial management, users can transfer WeChat change or bank debit card funds to change pass, change pass all funds can also be transferred out to WeChat change or bank card, transfer in and out of no handling fee.

Operating environment: brand model: iphone13

1. There are a total of 20 WeChat Coin Pass**, first of all, we must know that these 20** are all currency-based**, all of which are low-risk, almost safe, and basically will not lose the principal.

2. How to calculate the income of Coin Pass:

If you transfer in before 15:00 on the trading day, the profit will be calculated on the second trading day, and it will be postponed to the next working day in case of holidays, and if you transfer in after 15:00 on the trading day, the income will be calculated on the third trading day.

Fourth, the role of the change pass:

2. WeChat Coin Pass is similar to Alipay's Yue Bao, which is a currency-based product, and the main investment targets are money market instruments such as bank agreement deposits, short-term bonds, and treasury bonds, and the income is higher than that of bank deposits.

3. If you deposit WeChat change into the change, the biggest advantage is that it can increase the income, WeChat change is connected to the currency-based products, there is a liquidity or run risk, but the risk is very low.

4. WeChat Coin Pass is mainly a docking of 20 currency products such as E Fund ** Wealth Management and Huaxia ** Fortune Treasure, and there is inevitably liquidity or run risk in currency ** products, but this risk can be said to be very low and can be said to be minimal.

5. Since WeChat Coin Pass has the same functions as WeChat Coin Pass, it has the functions of payment, transfer and consumption, so once the WeChat account is stolen, the funds of WeChat Coin Pass are easy to be stolen, and the risk is still relatively large.

At present, the ** companies cooperated with WeChat Change Pass are Nanfang**, Harvest**, and E Fund**, and the money deposited by users is basically transferred to the above three ** companies for management and sales.

Coin Pass. You can view the details in the change pass, and we can refer to the seven-day annualized return curve chart in the past month and three months. The annualized return of Wanjia Tiantianbao A only rose in two days, but its historical return was very low, and the seven-day annualized return of the previous three months was only hovering around. It can be seen that its historical returns are not good, it may only be a short-term income rise, from the perspective of income stability, it is not recommended to choose this **.

The seven-day annualized return ranks second in the Southern Cash Pass e, which has been annualized in the past seven days, and this ** income does not fluctuate much, can stabilize at about 2%, and the annualized return will rarely be lower, so you can choose. SPDB AXA Daily Fung D has been annualized for nearly seven days, and the fluctuation in the past 3 months is greater than that of Southern Cash Pass, but it can be reached when the annualized rate is high, and only when it is low, but in general. E Fund Easy Finance** has been annualized in the past seven days, and its income has been rising steadily and slightly in the past two months, which can be considered.

CUAM Total Treasure also rose steadily and slightly in the past month, but did not exceed 2%, and the overall income was stable and there were no bright spots. In the past seven days, the three lowest annualized ** China Universal Cash Treasure Currency, Penghua Value-added Treasure Currency, and Huaxia Cash Profit Enhancement Currency A have only earned, and their three-month performance is very average, which is not as good as Southern Cash Pass E.

In general, the income of the nine currencies of the change pass is in, and the characteristic income of the currency ** fluctuates little, and the difference is not big. If you want short-term gains, you can choose Wanjia Tiantianbao A, which has the highest annualized rate in the past seven days, but from the perspective of long-term income and performance, Southern Cash Pass E is a good choice. Moreover, the first company in the south is also one of the best companies in China.

The differences between Wealth Management Connect and Coin Pass include different payment methods, different wealth management products, and different expansion functions.

Wealth management products are products designed and issued by commercial banks and formal financial institutions, and the raised funds are invested in the relevant financial market and purchased in accordance with the product contract, and the investment income is obtained, and then distributed to investors according to the contract.

The differences between Wealth Management Connect and Coin Pass are as follows:

1. Different payment methods. Wealth Management Connect can use the money in the bank card to purchase various wealth management products, but cannot use WeChat change to purchase; WeChat change can be paid with WeChat change or bank card;

2. Wealth management products are different. WeChat Coin Pass can only be purchased in a few currencies**; Wealth Management Connect can purchase current wealth management balance+, fixed wealth management products, insurance products, brokerage products and **, etc.;

3. The extension function is different. The money in WeChat Wealth Management cannot be used for other purposes, including the balance + current wealth management products. The money in the change pass can be used to send red envelopes, transfer money to others, consumption and other functions.

Launched on WeChat Wallet in January 2014, Wealth Management Connect is a professional wealth management platform launched by Tencent, adhering to the development concepts of compliance, risk control, selection, innovation and stability, bringing a one-stop, high-quality, safe and convenient investment and wealth management experience to hundreds of millions of users. Tencent Wealth Management Connect has launched diversified wealth management products such as currency**, insurance wealth management, bonds**, index**, hybrid**, and overseas**, as well as a variety of convenient functions such as salary wealth management and index fixed investment, to meet the diversified wealth management needs of users.

Coin Pass is a currency** product launched by Tencent's subsidiaries in cooperation with a number of financial institutions and can be used for payment. Users can use the money in the change pass directly for spending, and at the same time, when the funds are placed in the change pass and are not used, they can automatically earn income. The transfer of bank cards is free of handling fees, which is convenient for the temporary income of transfer funds; You can also set up automatic transfer of salary cards, automatic transfer of pocket money every month, earn while spending, and automatically generate bills.

Wealth Management Connect is highly effective. There are a variety of products in Wealth Management, and there is only one kind of change and hidden trace, which is currency, and now the currency is only about 7 cents a day.

Wealth Management Connect can purchase current wealth management balance+, fixed wealth management products, insurance products, brokerage products and **, etc., so the wealth management products that can be purchased by the two are also different.

The money in the change pass can be used to send red envelopes, transfer oranges to others, spend and other functions, so the two are also different in terms of expanding functions.

Wealth Management Connect and Change Pass have their own characteristics and have their own advantages and disadvantages, which can be chosen according to their actual situation and needs.

1. The main wisdom type of wealth management is for friends who have relatively large funds and hope to get high returns, with more investment products, the term can be chosen by themselves, the yield is higher, and the risk is greater, but there are also insurance products to choose from.

2. Change is aimed at friends who have less funds and hope to rely on investment to achieve stable income growth and regression, with limited investment types, lower yields, less risk and more security.