新京报贝壳财经讯 1月21日，微信官方辟谣平台"谣言过滤器"公众号发布消息称，最近，网络上出现部 分文章称，"2026年1月，微众银行联合微信推出的「微信支付分备用额度」正式上线"。经核实，上述 信息不属实。这类文章冒用微信支付分和微众银行的名义，声称"微信支付分能领备用金"或"支付分达 标即可提现"。这些均为虚假不实信息。 微信方面表示，微信支付分主要用于免押金租借、先享后付等便捷消费场景。其不是网贷，无法直接借 款，更不提供任何所谓的"备用金"服务。此类不实文章的真实目的，是利用微信支付和微众银行的官方 公信力进行误导，引导用户前往第三方网贷平台借款。这不仅让用户误以为是官方服务，更有可能导致 个人信息泄露或财产损失。请广大用户认准微信内"钱包"-"支付分"入口，凡是声称能"提现、借贷、领 备用金"的链接，请一律不信、不点。 ...

1月21日，21财经《辟谣财知道》注意到，最近，网络上出现部分文章称，"2026年1月，微众银行联合微信推出的'微信支付分备用额度'正式上线"。经核 实，上述信息不属实。这类文章冒用微信支付分和微众银行的名义，声称"微信支付分能领备用金"、或"支付分达标即可提现"。这些均为虚假不实信息！ 微信支付分是对个人的身份特质、支付行为等情况的综合计算分值，能为用户提供更简单便捷的生活方式，主要用于免押金租借、先享后付等便捷消费场 景。微信支付分不是网贷，无法直接借款，更不提供任何所谓的"备用金"服务。 此类不实文章的真实目的，是利用微信支付和微众银行的官方公信力进行误导，引导用户前往第三方网贷平台借款。这不仅让用户误以为是官方服务，更 有可能导致个人信息泄露或财产损失。 微信支付分是对个人的身份特质、支付行为等情况的综合计算分值，能为用户提供更简单便捷的生活方式，主要用于免押金租借、先享后付等便捷消费场 景。微信支付分不是网贷，无法直接借款，更不提供任何所谓的"备用金"服务。 此类不实文章的真实目的，是利用微信支付和微众银行的官方公信力进行误导，引导用户前往第三方网贷平台借款。这不仅让用户误以为是官方服务，更 有可能 ...

Core Insights - The introduction of "Pay After Living" service by JD Technology and Ziroom marks a significant innovation in the rental market, allowing users to rent without upfront deposits and defer rent payments for one month [1][3][4] - This service targets young renters, particularly new citizens and youth, alleviating the financial burden of traditional rental practices [3][4] - The competitive landscape of credit payment services is intensifying, with major players like Alipay and WeChat also expanding their offerings in this space [6][8] Group 1: "Pay After Living" Service - JD Technology and Ziroom have launched the first "Pay After Living" financial service, enabling users to rent without a deposit and defer rent payments [1][3] - The service aims to ease the financial pressure of traditional rental agreements, which often require multiple months' rent upfront [3][4] - Since its launch, over 240,000 users have tried the service, resulting in a total deposit reduction of over 300 million yuan [3][4] Group 2: Competitive Landscape - Alipay's new sub-brand "Zhima 800" targets users with high credit scores, offering expanded services beyond traditional deposit-free options [6][8] - WeChat is also enhancing its credit payment services, focusing on various scenarios such as online shopping and rental services [7][8] - The competition among these platforms is driven by the need to capture user data and establish long-term financial ecosystems [8][9] Group 3: Risk and Innovation - The shift to "Pay After Living" represents an evolution in credit payment, addressing the challenges of high-value, long-term rental agreements [4][5] - Experts emphasize the need for robust risk management frameworks to prevent defaults and ensure sustainable growth in this sector [5][10] - Future expansions of credit payment services may include higher-value sectors like home decoration and education, but will require careful risk assessment [11]