Core Insights - JD Technology and Ziroom have launched the industry's first "live first, pay later" financial service, allowing users to rent homes without upfront deposits and with the option to delay rent payments for one month [1][3] Group 1: Service Overview - The new "live first, pay later" service allows users to utilize JD's BaiTiao service, eliminating the need for a deposit and enabling a one-month rent payment delay [1][3] - The collaboration has been in place for over a year, with more than half of the renters applying for the service, resulting in over 300 million yuan in deposit reductions for more than 240,000 users [3] Group 2: Service Features - The "credit-free deposit" service allows BaiTiao users to use part of their credit limit as a deposit, which will be settled based on the actual condition of the property at the end of the lease [3] - This service upgrade can be combined with the previous "no deposit" service, allowing users to move in with zero payment for the first month under the "one deposit, three payments" model [3]