AI Version of Alipay - The Super Life AI Assistant Launched by Ant Group's Alipay

What Is the AI Version of Alipay

The AI version of Alipay is an AI tool launched by Ant Group's Alipay, and is the most significant revamp of Alipay in nearly 20 years. It is no longer just a payment tool, but a natively AI-driven super life entry point. The interface can be switched with one tap into two core sections, "Assets" and "Abao": the former uses a card holder to aggregate your liquid, wealth management, and credit assets, while the latter uses a conversational AI assistant to take over more than 8,000 services such as ordering food, booking tickets, and transferring money. Based on the Bailing large model, it can remember preferences across scenarios (such as "order coffee like last time"), and works with "AI Pay" to enable agents to place orders on your behalf and automatically pay when a price is reached. It marks a leap from "people finding services" to "AI orchestrating everything."

Main Features of the AI Version of Alipay

• Native AI Dual Interface: Switch with one tap to the AI version homepage; the old version is retained by default, and users can freely set their preferred mode, which includes the two core sections "Assets" and "Abao."
• Asset Card Holder: Visually aggregates liquid assets, wealth management assets, and credit assets with cards, making your financial status clear at a glance and eliminating the need to dig through traditional menus.
• Abao AI Assistant: A conversational interaction entry point that can be invoked by voice or text, covering more than 8,000 life services such as food ordering, ticket booking, money transfers, and bill payments.
• Cross-Scenario Memory: Based on the Bailing large model, it achieves long-term memory and can remember your preferences and habits, for example, "order coffee like last time" without needing to describe it again.
• AI Pay Execution on Your Behalf: Works with the "AI Pay" infrastructure to support agents in watching for prices, comparing prices, automatically placing orders, and completing payments on your behalf (for commissions within 1,000 yuan).
• Agent Ecosystem Access: Can call vertical agents in government affairs, insurance, health, and other domains (such as "Xiaozheng," "Yixiaobao," and "Anzhen'er"), enabling one-stop services for administrative processing, insurance purchasing, and medical consultations.
• Voiceprint and Visual Payment: Combined with hardware such as AI glasses, it uses voiceprint plus visual recognition to deliver seamless payment experiences such as "look and pay."

How to Use the AI Version of Alipay

• Obtain Beta Access: The AI version of Alipay is currently in beta. Activate it byclaiming a free invitation code.
• Switch to the Native AI Interface: After entering, switch with one tap to the AI version homepage; the system retains the old interface by default, and you can set it as the preferred opening mode in settings
• Wake Up the Abao Assistant: Tap the "Abao" entry point at the bottom or on the homepage, and enter your needs by voice or text, such as "help me book a flight to Shanghai" or "order coffee like last time"
• View Asset Cards: Enter the "Assets" section, where all liquid assets, wealth management assets, and credit assets are aggregated and displayed in a card holder; swipe left and right to quickly view various aspects of your financial status
• Call Agent Services: Directly tell Abao your vertical needs, and the system will automatically match and call the corresponding agent, such as "Xiaozheng" for government affairs, "Yixiaobao" for insurance consultation, and "Anzhen'er" for health consultations

Core Advantages of the AI Version of Alipay

• Native AI Architecture, Not a Feature Patch: This is Alipay's biggest revamp in nearly 20 years, rebuilt from the ground up as an AI-native interface rather than simply adding AI entry points onto the old App, with the interaction logic completely changed from "people finding services" to "AI orchestrating everything."
• Dual-interface free switching: The old version is retained as the default, and users can switch to the AI-native homepage with one click. The dual sections of "Assets" and "Abao" balance traditional financial management habits with a cutting-edge conversational experience, lowering the learning barrier for over 1 billion users.
• Cross-scenario long-term memory: Based on the Bailing large model, it achieves true contextual memory, able to remember your coffee taste, travel preferences, and frequently used transfer recipients, without the need to repeatedly describe your needs each time.
• Agent ecosystem hub: It is not only a payment tool, but also an agent scheduling platform for 8,000+ life services, capable of calling vertical Agents such as government affairs, insurance, and health with one click to complete complex service chains.

Comparison of similar competitors to AI version Alipay

Application scenarios of AI version Alipay

• Intelligent ordering and daily consumption: Say to "Abao", "order coffee like last time", and the AI automatically replicates your taste preferences, store choice, and delivery address based on cross-scenario memory, without the need to repeatedly fill in order information.
• One-stop travel booking: Voice command "Book a flight to Shanghai for tomorrow and arrange airport pickup." Abao automatically calls the travel service to complete flight filtering and booking, and links with the ride-hailing platform to arrange airport transfer.
• Panoramic Asset Monitoring: Enter the "Assets" section to view changes in liquid assets, wealth management returns, and credit limits at a glance through card stacks. Ask by voice "How much wealth management return this month" to get a visualized data interpretation.
• Zero-Errand Government Services: Call the "Xiaozheng" agent and directly say "Help me handle cross-region medical treatment registration" or "Apply for a temporary flight certificate." The AI automatically fills in the materials and submits them to the government system.
• Health Consultation and Appointment Registration: Describe symptoms through the "Anzhen'er" health assistant to get preliminary diagnosis suggestions and directly book an appointment at a nearby hospital, achieving a seamless connection from consultation to registration.
• Intelligent Insurance Advisor: Consult "Yixiaobao" about "buying million-yuan medical insurance for parents." The AI compares products horizontally based on family structure and budget, generates an insurance plan, and guides the user to complete payment.