Can Alipay and WeChat make money in vivo? Can Alipay and WeChat make money?

1. Earn money from merchants. Wechat and Alipay may make money from merchants. According to the latest regulations of the People's Bank of China 1998 12. 20 18 1 14, the money in wechat and AliPay should be put in special accounts as reserve funds, and there is no interest. In other words, WeChat Alipay can't earn this part of interest money. However, everyone puts money in Alipay and WeChat, and there is no interest. It is only used as a means of payment. If you start to pay, you may earn money from the merchants, one of whom may pay the handling fee and the other may pay the cash withdrawal. In this way, as everyone pays with Alipay and WeChat, there will be more and more merchants, so WeChat and Alipay may make more money from merchants.

2. Make money through wealth management products. There is no interest on the money in WeChat and Alipay. At this time, you may be attracted by some wealth management products in WeChat and Alipay, and the yield of these wealth management products may be higher. For example, if you want to carry it with you, you can buy Yu 'ebao or WeChat change products, so you can earn some interest every day. Of course, there are also some regular wealth management products, and you can also buy them as shares. If you buy these wealth management products, then WeChat and Alipay can also earn some spreads, or they can earn some fee income. Although the proportion may be relatively small, considering the number of users of WeChat and Alipay, it is about 654.38+0 billion, which can also make WeChat and Alipay earn a lot of money.

To sum up, the money in WeChat and Alipay can't be used and needs to be deposited in a special reserve account. However, WeChat and Alipay can use the payment link to make some money, and they can also use wealth management products to make some money.