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What is JD.COM IOU credit business?
It is a white credit service launched by Jingdong Finance.

White loan is a white credit service launched by JD Finance. Under the single loan mode, you can not only place an order in Jingdong Finance-White Strip-Consumption by installments, but also place an order on the website of a third-party merchant, choose white strip to pay in installments and repay on schedule, mainly including white strips for travel, rental, driving school, education and car.