独家！快手月付，来了！

Core Viewpoint - Kuaishou is gradually launching its credit payment product "Kuaishou Monthly Payment," which can be used for any purchases in Kuaishou's small shops, with a maximum interest-free period of 37 days, slightly longer than Douyin's 36 days [1] Group 1: Product Launch and Features - Kuaishou Monthly Payment is currently in a "gradual opening" phase and allows for purchases in Kuaishou's ecosystem [1] - The previous credit products were primarily partnerships with Alipay and WeChat, with a minimum credit score requirement of 550 and a single transaction limit of 1,000 yuan [1][2] - Kuaishou's role in the credit business is mainly as a traffic provider, initially collaborating with third-party platforms before attempting self-operated credit products [3] Group 2: Market Position and Challenges - Kuaishou's credit business is viewed skeptically in the industry due to its focus on a lower-tier customer base, which may hinder credit operations [4] - Previous attempts by mainstream lending platforms to acquire customers through Kuaishou have resulted in low conversion rates, leading to limited or no partnerships [4] - Kuaishou's entry into the credit market is considered late compared to competitors like ByteDance, which has been active in financial services since 2015 [5] Group 3: Potential Opportunities - Despite skepticism, Kuaishou has a significant user base, with average daily active users of 408 million and monthly active users of 712 million, suggesting a large potential market if even 1% of users qualify for credit [5] - Kuaishou's comprehensive ecosystem, particularly in e-commerce, may position Kuaishou Monthly Payment as a more appealing option for users, potentially reducing the likelihood of default compared to traditional cash loan products [5]