According to the relevant regulations of the state tax authorities, individual income tax is a tax that individuals pay according to a certain proportion after obtaining various incomes. In the financial field, including financial services provided by financial technology companies, it is also necessary to comply with the provisions of personal income tax. As a financial service product, JD.COM gold bars need separate tax certification when they are used, so as to ensure compliance with the relevant regulations of the national tax authorities. The purpose of individual tax certification is to ensure that the interest or income earned by users when using JD.COM gold bars can be taxed at the statutory tax rate, thus ensuring compliance and tax fairness.