When Zhao Di described something, he was very calm and spoke very slowly, which was completely different from his usual posture when he assigned tasks with his subordinates in the technical department.

"The collection of deposits occurs immediately. When the bank makes payment, the deposit will be immediately received. However, it is not our account, but Alipay. The refund of the deposit is also a refund from Alipay, and Alipay also needs to be paid immediately. Therefore, when Alipay delays payment to us, there is a possibility that after three days, the funds of those users will still not be received, because these users have already refunded the deposit."

Shi Lei digested Zhao Di's words and quickly understood this situation.

Users’ deposits, payments or refunds are actually just direct transactions with Alipay, and they do not make substantial payments to Qixuan.

If a user within three days chooses to refund the deposit, the money will be returned by Alipay for less than 72 hours before he can reach Qixuan's account. Then the money will naturally never reach Qixuan's account.

Zhao Di said slowly: "Especially in an industry like us that frequently pays deposits and frequently returns them, when Alipay makes full use of these 72 hours, it is difficult for us to ask them to transfer the deposits of those users to our accounts. In principle, we use the deposits that have been deposited for more than 72 hours in the account as disposable deposits, but now, these 72 hours have been consumed by Alipay. This is the conclusion that our technical department can draw. For details, we need to communicate with Alipay before we can confirm it."

Shi Lei frowned and asked, "How did Alipay pay these deposits before?"

"Basically, there are rarely more than 24 hours, and in fact, more than 80% of the deposits are entered into our account on the same day."

"So, can we say that this is because our deposit amount is too large, which has led to Alipay's idea of ​​our funds? Did they use our money?"

"There is indeed such a possibility, or from the current analysis, this is true. However, first of all, Alipay does have such power. Secondly, both Yao Zong and I think this possibility is not very large. Alipay's three-day deposited funds are at least 20 to 30 billion yuan, and we should not take these tens of millions seriously."

Shi Lei's brows frowned even more. He was a little anxious just now. After all, for Qixuan, whose valuation is less than one billion and whose actual control funds are only tens of millions, the tens of millions on Alipay's books is enough to meet Qixuan's A round of financing. This money can be used, Qixuan can open up the market in at least three cities.

Thinking about it now, my idea is really naive. As a domestic overlord payment method, Alipay deposits every day with higher funds than most companies' market value. How could they think about Qixuan's only tens of millions? To put it bluntly, the monthly interest rate of other people's deposits is more than this.

I don’t feel embarrassed either. After all, I am still young and it is worth forgiven for not considering things carefully enough.

Shi Lei smiled at Zhao Di and said, "It seems that I'm a little anxious. What you said makes sense. There is indeed no need for Alipay to do this. Maybe their business methods have been adjusted. Then we need to negotiate with each other and try to shorten the 72-hour changes."

But after Zhao Di also smiled, he once again objected to Shi Lei's words.

"That's not the case. The t+2 model is already quite preferential to us by Alipay. If it weren't for the relationship between the drug president, it was usually a t+3 payment method. That is to say, funds would be allowed to stay on the Alipay account for no more than ninety-six hours. What's more, some startups, those with relatively small scale, can only get the t+7 model and can hardly get any deposited funds from Alipay."

Shi Lei scratched his head, not knowing what to say.

Zhao Di said again: "Of course, this t+2 is just something in the contract. In fact, Alipay never really delayed the payment until forty-eight hours a week ago. The situation this week can only be said to be a problem in a certain link. The possibility of internal adjustment of Alipay is not high, and they do not need to make adjustments only for us and Chongbai. I have asked some other companies that their financial transactions are still the same as before."

"What do you mean..." Shi Lei asked in a low voice.

"I don't mean anything. I'm just a technical person. All my considerations are from a technical perspective. In terms of operations and strategy, you should discuss with the Pharmaceutical General. All I can do is to provide more possibilities from a technical perspective. At present, since Alipay has no clear response, I can only do so much in terms of technology. According to the current technical survey, it is probably only us and Chongbai who are facing the same situation."

This is the final answer given by Zhao Di. Shi Lei nodded and said, "Okay, Manager Zhao, you can go and do it first."

"Okay, Mr. Shi, please come to me any time you have something to do." Zhao Di also stood up and said goodbye.

Shi Lei called Yao Er's phone again, and Yao Er asked: "Have Zhao Di told you about the situation?"

"Well, I was just showing a timidity in front of him..."

Yao Er laughed and said, "Sir, I think it was Alipay that intercepted our precipitation funds and turned them into their precipitation funds?"

Shi Lei was a little embarrassed and smiled.

"At present, the other party is consciously delaying the response time, so the gentleman's suspicion is valid. Basically, he can only make such a judgment."

"But, with such a large scale of Alipay, we are just tens of millions... even if we add a prayer, we can't exceed 100 million."

"It should be less than 20 million to pay tribute to the other side."

"That's right, is Alipay's so much money?"

"Boss Ma definitely won't be there, but it's hard to say the people below. Sir, Zhao Di told you, right? The reason I found someone when I found someone. To be precise, it was the person my brother helped me find. That person was Ali's financial director. He did not directly interfere with the operation of Alipay, but Alipay must give him face."

Shi Lei knew that Yao Er must have something to say, so he asked tentatively: "This person doesn't pay attention to you now?"

"That's not. He was still very polite and agreed to help understand. But I have been finding him for more than three hours and have no response. Logically speaking, this kind of thing should be clear in half an hour."

"What you mean is that you can basically confirm that Alipay has a problem with the person in charge of our project?"

Yao Er snorted and said, "It's basically it. I contacted their department yesterday, and it's been more than twenty-four hours now. It's logical that he should call me back no matter what, even if it's just shirking responsibility. But he didn't, so from the perspective of human nature, it's basically a problem with him. I'm conducting human investigation on him to see which one of his social relationships might be connected with us."
Chapter completed!