OceanBase for payments
Alibaba's distributed database (open source now). Handles 100K+ transactions/second peak. ACID across shards.
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OceanBase for payments
Alibaba's distributed database (open source now). Handles 100K+ transactions/second peak. ACID across shards.
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Yu'e Bao money market
Balance in Alipay auto-invests in a money market fund. World's largest MMF at peak. Compounds daily. Withdraw anytime instantly.
Sesame Credit
Alternative credit score from Alipay behavior. Payments, purchases, network. Higher scores → higher loan limits, better hotel rates.
Ant Credit + insurance
Consumer credit + insurance products all in-app. Cross-sold on payment context. Regulatory oversight tightened after Ant Group IPO pull.
QR code ubiquity
Every merchant has a QR. User scans → payment app → done. Faster than card + cheaper than POS terminals.