The Black Card

When Zhao Di described one thing, he performed very calmly, and his speech rate was extremely slow. He usually had a completely different posture when he was assigned tasks by the technical department and his subordinates.

“The collection of the deposit is instantaneous, and the bank realizes the payment, and the deposit is immediately paid. However, it is not our account, but Alipay. The refund of the deposit, for the user, is also refunded from Alipay, and Alipay also needs to pay immediately. Therefore, in the case of Alipay delayed payment to us, there is a possibility that after three days, the funds of those users can not be accounted for, because these users have already returned the deposit. ”

Shi Lei digested Zhao Di’s words and quickly understood the situation.

The user’s deposit, payment or refund is actually a direct transaction with Alipay. They have not paid for the announcement.

If the user within three days chooses the refund of the deposit, the money has not yet arrived in Kaixuan’s account, and it has been returned to the account by Alipay for less than 72 hours. Then the money will naturally never reach the account of Qi Xuan.

Zhao Di is still not slow to say: “Especially in the industry where we pay the deposit frequently and return frequently, when Alipay makes full use of these 72 hours, it is difficult for them to ask them to put those The user’s deposit is transferred to our account. In principle, we used the deposit deposited in the account for more than 72 hours as a disposable deposit, but now, for 72 hours, Alipay has consumed it. The conclusion that our technical department can draw is that, specifically, it needs to be communicated with Alipay before it can be determined. ”

Shi Lei frowned and asked: “How did Alipay pay for these deposits?”

“Basically, there are very few more than twenty-four hours. In fact, more than 80% of the deposits are in our accounts on the same day.”

“So, is it possible to say that this is because our deposit amount is large, causing Alipay to mobilize our thoughts on this fund? Are they using our money?”

“There is such a possibility in theory, or from the current situation analysis, that is the case. However, first of all, Alipay does have such power. Secondly, the total drug and me feel that this possibility is actually not great. Alipay’s three-day deposit is at least 20 to 30 billion, and we should not look at it. ”

Shi Lei’s brow wrinkles more tightly. He was also anxious just now. After all, for the current valuation is less than one billion, the actual controllable funds are only tens of millions of Kaixuan, the one on Alipay’s account. Tens of millions of dollars , enough to reach the A round of financing of Qi Xuan. The money, used up, Kaixuan can open the market of at least three cities.

Now think about it, my idea is really a bit Naive, Alipay as a domestic hegemon-level payment method, the daily precipitation of funds is higher than the market value of most companies, how can they mobilize the tens of millions of brains in this area?? To put it bluntly, the monthly interest rate of people’s deposited funds is not limited to this number.

I don’t feel embarrassed. After all, I am still young, and it is worthy of forgiveness to consider things that are not comprehensive enough.

Shi Lei smiled at Zhao Di and said: “It seems that I am a little anxious. What you said makes sense. Alipay does not need this. It may be that their business methods have been adjusted, then we need to negotiate new with each other and try to change this 72 hours to a shorter one. ”

However, after Zhao Di smiled, he once again raised objections to Shi Lei’s words.

“That is not the case, the T + 2 model is already a considerable discount for Alipay. If it is not the drug that always finds a relationship, it is usually a T + 3 payment method, that is, the funds will be allowed to stay on Alipay’s account for up to 96 hours. What’s more, some startups, the smaller ones, can only get the T + 7 model, and they can hardly get any deposit funds from Alipay. ”

Shi Lei scratched his head and didn’t know what to say.

Zhao Di said again: “Of course, this T + 2 is just something in the contract. In fact, a week ago, Alipay has never really delayed until 48 hours later. What happened this week can only be said to be a problem in a certain link. The possibility of Alipay internal adjustment is not great, they do not need to adjust only for us and rushing. I have asked other companies that they have the same funds and money. ”

“what do you mean …?” Shi Lei whispered.

“I don’t mean anything. I am a technical one. All my considerations are considered from a technical point of view. In terms of operations and strategy, you should always consult with the drug. All I can do is to provide more possibilities from the technical point of view. At present, because Alipay does not have a clear response, I can only do so much in terms of technology. According to the current technical survey, it is only us and the two who have encountered the same situation . “

This is the final answer given by Zhao Di. Shi Lei nodded and said, “Well, manager Zhao, you should go ahead.”

“Well, Shi Shao, you have to find me at any time.” Zhao Di also stood up and left without saying goodbye.

Shi Lei called the phone again on Yao Er’s mobile phone. Yao Er asked: “Zhao Di told you about the situation?”

“Well, I just showed you a slap in front of him…”

Yao Er laughed and said, “Mr. thinks that Alipay has intercepted our deposit funds and turned them into their deposit funds?”

Shi Lei is a little embarrassed and smiles.

“At present, the other party is consciously delaying the response time, so the suspicion of the gentleman is established. Basically, only such judgments can be made.”

“But, the size of Alipay, we have tens of millions of this area… Even if you add worship, you can’t live a billion.”

“There should be less than 20 million rushing over there.”

“Yeah, so much money, Alipay is it?”

“The horse boss is definitely not, but the people below are hard to say. Sir, did Zhao Di tell you about it? I can get T + 2, which is the result of finding someone. To be exact, it is the person my brother helped me find. The person is the financial director of Ashi. He does not directly interfere with the operation of Alipay, but Alipay must give him face. ”

Shi Lei knew that Yao Er had something to say, and he tried to ask: “Is this person not taking care of you now?”

“Then it is not, he is still very polite, promised to help understand. However, I have found him for more than three hours and have not responded. It stands to reason that this kind of thing should be clear in half an hour. “

“What do you mean is that it is basically certain that Alipay is specifically responsible for our project?”

Yao Er snorted and said: “This is basically the case. I was in contact with their department yesterday. It has been more than twenty-four hours now. It is reasonable to say that he should call me back anyway, even if it is shirking. However, he did not, so from the perspective of human nature, basically he had a problem. I am currently conducting a human flesh survey on him to see his social relationship. Which one is likely to be on the line with us. “

“I have not offended too many people? Cao Chong is impossible, can it be a money son?!” Shi Lei said it.