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叫板余额宝 微信测试新功能“零钱通”

2017-09-06 14:51:51   中国青年网

本报讯(记者张品秋)从9月4日起,近万名微信用户陆续收到了微信“零钱通”新功能的首批体验邀请。开通此功能的用户将微信零钱转入零钱通后,不仅能享受货币基金的收益,还可以随时消费,其体验与支付宝余额宝几乎没有区别。业内人士普遍认为,一旦该功能正式上线,将对支付宝形成前所未有的巨大挑战。

据微信支付相关负责人介绍,“零钱通”是原有的“零钱理财”功能的升级版。用户从微信“我”-“钱包”-“零钱”进入后,点击下方“零钱理财,让零钱安稳赚收益”,就可以进入零钱理财的理财产品选择页面。而经过升级后,受邀用户可以从易方达基金易理财、南方基金现金通E和嘉实基金现金添利三款货币基金中选择一款作为默认赚取收益的产品。当用户需要打车、订外卖、发红包、扫码支付或还信用卡时,可以直接使用默认的货币基金进行支付,体验与余额宝高度相似。

“目前用户选择微信支付时,只有零钱和信用卡两个选项,今后就会多出一个零钱通选项。”微信支付相关负责人解释,“以前的零钱理财虽然也支持快速赎回,但最快也要15分钟到账。升级为零钱通后,可以直接用于消费,真正做到了让用户一边享受收益一边随时支付。”

与余额宝不同的是,零钱通只能通过微信零钱功能转入,不能通过银行卡转入。而微信零钱只能来自好友转账、发红包等,金额有限。此外,微信用户虽然绑定了银行卡,但如果不是央行规定的支付类Ⅲ类账户,也不能使用零钱通。用户需要注销原有的支付账户,然后绑定5张及以上银行卡升级为Ⅲ类账户才能购买零钱通。支付圈内人士认为,如果零钱通真正打通了消费支付,将会对余额宝带来巨大挑战。J229

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