微信“分付”灰度上线“借款”功能

Core Insights - WeChat Fenfu has quietly launched a "loan" feature that is currently in a gray testing phase, allowing users to access consumer loans based on their transaction history [1] - The loan feature is linked to user transactions and requires meeting three conditions: a minimum of 100 yuan spent in the last 30 days, not using Fenfu for payment during that transaction, and passing a comprehensive system assessment [1] - The interest rate for WeChat Fenfu's loans is set at 0.045% per day, which is considered average within the industry, and users can repay at any time with a minimum monthly repayment of 10% [2] Product Details - WeChat Fenfu has been available to select users since late last year, supporting various daily consumption scenarios such as dining and shopping, but does not currently support red envelope transactions [1] - The loan service is provided by partnered financial institutions, including Shenzhen Financial Payment Network Microloan Co., Ltd. and Guotou Taikang Trust Co., Ltd. [2]