1. Permission: Alipay sub-account cannot initiate loan services such as Ant Flower Garden with the main number, because the opening of services such as Ant Flower Garden will not only provide comprehensive user information and reference user's historical consumption data, but also have additional risk control measures to control it.

2. Function: The main account can apply for Alipay merchant authentication, which can be seen in the background fund management when logging into Alipay account, and can also be queried by querying your personal authentication information. Sub-accounts are mostly used for personal classified financial management and are used according to their own financial management habits.