Chapter 379: 10 Billion Experience Credit: The Zero-Money Wealth Management Battle

At the end of February, the sky over Xucheng was mostly covered with leaden clouds.

Fine rain fell like mist, and through a pane of glass, the entire tech park flickered in and out of view amid the wind and rain.

After finishing his daily tasks, Chen Yansen rose and walked to the window, where he could just see Song Yuncheng seated at his desk across the diagonal building, fingers flying over the keyboard.

Compared to Ye Qiuping, Song Yuncheng’s innate talent in the workplace was not high; he built his logical deconstruction and restructuring abilities solely through deliberate practice and experience transfer, eventually forming a practical methodology.

He was the type who made up for lack of talent with diligence.

“Tap-tap-tap!” A knock came at the door.

“Come in.” Chen Yansen replied.

Wang Xueting, director of HR, led in a woman dressed in a dark blue business suit and introduced her: “Boss, this is Chen Jie.”

“Boss, hello.” Chen Jie greeted respectfully.

As she spoke, she stole glances at Chen Yansen—he looked around twenty, wearing a white shirt and black dress pants, with a Patek Philippe on his wrist.

Other than that, he wore no accessories whatsoever.

The new boss stood tall, nearly a head taller than her; in person, he was even more handsome than his online photos—his features refined, sharp, his deep brown eyes unusually bright.

“Are you familiar with the company environment and department heads?”

Chen Yansen asked.

“Boss, I took Chen Jie on a tour of Pinbei, Orange Tech, Today Tech, and Orange Pay headquarters, and introduced her to Messrs. Huang, Liang, Zhou, and Zhang,” Wang Xueting immediately explained.

“Boss, I’ve memorized the core management staff of all four subsidiaries,” Chen Jie quickly replied.

Chen Yansen nodded slightly and instructed Wang Xueting: “Place Chen Jie’s desk on the top floor.”

Then he turned to Chen Jie: “You’ll handle my meeting schedule and business negotiations from now on.”

“Yes, Boss,” Chen Jie and Wang Xueting replied in unison.

Wang Xueting silently exhaled in relief—finally, the task was done.

Over the past two months, she’d interviewed more than thirty candidates, including top graduates from Tsinghua and Peking University’s management programs and overseas students from Harvard and Cambridge Business Schools—but the big boss wasn’t satisfied with any of them.

Hiring a chairman’s assistant was harder than poaching a P9 from Ali!

Fortunately, Chen Jie didn’t disappoint—her resume was impressive, and her appearance was outstanding.

She stood 1.69 meters tall, with one-quarter Central Asian heritage—in short: beautiful and capable.

Chen Yansen waved his hand.

Wang Xueting and Chen Jie immediately understood and politely took their leave, exiting the office.

As company affairs and external business grew, Chen Yansen could still manage, but he had no interest even in pretending to care about certain people or matters.

Having an assistant to do preliminary screening would lighten his load considerably.

As for Chen Jie’s looks and figure, he hadn’t paid attention at all.

With his experience and vision, he had seen far too many beautiful women.

In his previous life, he’d evaluated at least seven or eight football teams’ worth of streamers, short-film actresses, and fresh college girls.

He hired Chen Jie solely for her work ability.

Chen Yansen leaned against the sofa, sipping warm tea, his mind turning to the two factories purchased by Pei Yi.

With the addition of existing staff, total headcount now exceeded two thousand, giving him another stable channel for acquiring human fire.

In fact, Yunsu Express had also acquired a large cardboard factory and two plastic factories in Q4 last year.

After all, with annual parcel volume exceeding 40 billion, packaging demand alone could create over 3,000 jobs and generate 1 billion Huayuan in gross profit.

Why let the profits go to outsiders? Better to hire employees from relatives of couriers—cut costs, gain extra revenue, and acquire human fire—all in one stroke.

Ten minutes later, the rain outside the window gradually ceased.

It was exactly 10 a.m.

Ali Baba announced it would invest 500 million U.S. dollars in a strategic stake in UC Browser.

This move seemed baffling, but if you viewed Ali as an advertising company, all confusion vanished.

Over the past year, Ma Liyun had been busy boosting platform GMV, upgrading Taobao Mall, repurchasing Ali equity, and preparing for IPO—but he’d fallen behind in the race for mobile entry points.

Investing in UC Browser was precisely to make up for its mobile weakness and fully propel Ali into the mobile internet era.

The news instantly enraged Li Yanhong.

Previously, he’d met He Xiaopeng twice, even signed a letter of intent—but Ma Liyun had snatched the deal away.

Yet he could only seethe in silence, not daring to even complain to Old Ma.

Because half a month ago, Ali and Baidu, whose cooperation had been suspended for five years, restarted their advertising business.

Ali firmly held the top spot in domestic e-commerce, with annual transaction volume reaching one trillion Huayuan.

In plain terms, Ma Liyun was now Li Yanhong’s key advertising client—the real golden daddy.

Would Li Yanhong dare to curse his own major client?

Of course not—he relied on Ali’s ad revenue to stabilize Baidu’s stock price.

At the same time.

Zhifubao 7.0 was launched, adding a Yuli Bao entry on the homepage’s first screen, with a seven-day annualized yield of 5.1%, matching Yubao and beating WeChat’s Lingqian Bao by 0.1%.

New users who opened an account immediately received 18,888 yuan in experience credit, valid for three days, with an estimated earnings of 7.5 yuan.

Taobao, Tmall, Xiami Music, and UC Browser all displayed prominent promotional posters for Yuli Bao’s new-user offer; even YunOS pushed marketing ads to users.

Far away at Tencent’s headquarters in Shencheng, Ma Wenteng smirked and remarked dismissively: “What a terrible name.”

“It sounds more like a financial product, with weak ties to zero-money wealth management—just the name alone is a failure,” Liu Zhiping chuckled.

In his view, “Lingqian Bao” was ten times better than “Yuli Bao.”

A great product must start with a great name.

“Too bad, YiXun and Paipai can’t form a business loop with WeChat Pay or Lingqian Bao,” Ma Wenteng sighed.

He couldn’t help recalling the scene two years ago when he first met Chen Yansen, who had bluntly declared that Tencent had no e-commerce genes—no amount of money could make it succeed.

Now he believed it!

YiXun and Paipai were like two piles of mud—utterly unfixable.

“You gain something, you lose something,” Liu Zhiping said, his smile fading. “Though Lingqian Bao’s average fund balance is lower than Orange Pay, its active user count exceeds Yubao’s.”

With three hundred million WeChat users, Lingqian Bao had surpassed sixty million total users in just over two months, while Yubao stood at fifty-six million.

But Yubao’s fund scale reached 230 billion Huayuan, averaging 4,100 yuan per user; Lingqian Bao had only 20 billion Huayuan, averaging 300 yuan per user.

In users’ minds, WeChat was a social app, not a wealth management tool.

Most users who activated Lingqian Bao had only dozens of yuan in their accounts.

Hearing this, Ma Wenteng smiled helplessly and asked offhandedly: “By the way, have the AFOS versions of QQ and WeChat been developed? That kid Chen Yansen called me a few days ago saying he wanted to treat me to tea—but he won’t even come to Shencheng. What tea is he talking about? He’s just subtly pushing me to get things done.”

“Testing passed,” Liu Zhiping replied seriously. “The Aurora Future OS team reported that resource scheduling is more efficient; under AFOS, WeChat launches 49% faster than on Android and 31% faster than on iOS, with noticeable improvements in power consumption and app lag.”

“So you mean Aurora Future OS outperforms Android and iOS?” Ma Wenteng paused, then pressed.

“Pony, the hardest part of a mobile OS isn’t performance—it’s adoption and promotion,” Liu Zhiping shook his head. “Even though Aurora Future OS provides standardized development tools and interfaces, lowering barriers and maintenance costs, breaking through the Android and iOS encirclement? That’s no easy feat.”

It wasn’t that Aurora Future OS was bad—it was just that ecosystem barriers were never products of technology or money alone; timing, location, and human factors were all indispensable.

Was Microsoft not strong enough? Was its funding insufficient?

To promote Windows Phone, it poured billions of U.S. dollars over years, partnered with global giants like Nokia—and still failed to capture even 3% market share.

Though Orange Phone’s shipment volume wasn’t low, it was still leagues behind Nokia’s peak. What good was Aurora Future OS’s performance if no one used it?

“Just give users another choice,” Ma Wenteng shrugged, unconcerned.

“Yuli Bao copied Yubao’s marketing strategy one-to-one. I never realized Ma Liyun was a master of plagiarism,” Liu Zhiping mocked.

“Good ideas should be borrowed,” Ma Wenteng leaned back, speaking calmly. “Tell Xiaolong to draft a plan quickly. Experience credit doesn’t suit Lingqian Bao, but we can use discount coupons to boost average user holdings.”

Xiao Ma never worried about copying—look around China’s internet circle, which boss wasn’t a “mover”?

Winner takes all!

Whoever wins is the original ancestor!

Take food delivery: who still remembers Ele.me?

Now when people talk about food delivery, everyone says Kuaipao is China’s first food delivery platform.

Take the food delivery industry—who still remembers Ele.me?

Sorry, never heard of it!

“Alright,” Liu Zhiping agreed cheerfully.

On the other side.

Facing the aggressive Yuli Bao, Zhang Yinjia had prepared in advance; after an emergency meeting with the marketing team, he rushed straight to Chen Yansen’s conference room and pleaded: “Boss, it’s just a gimmick—please say yes.”

“Old Zhang, who taught you this habit? Always using the boss as a marketing tool?”

Facing the aggressive rise of Yuli Bao, Zhang Yinjia had already prepared; after an emergency meeting with the Events Department, he rushed straight to Chen Yansen’s office and pleaded desperately: “Boss, it’s just a gimmick—please say yes.”

“Hehe, Boss, you’ve got massive traffic and high popularity—I heard from Liang Bo that Mao Chaorong’s MIMO achieved a perfect launch entirely because you ran ads on Facebook, Instagram, and Twitter.”

Zhang Yinjia pulled over a chair and grinned.

“Hehe, Boss, you’ve got massive traffic and high popularity—I heard from Liang Bo that when Mao Chaorong’s MIMO first launched, it relied entirely on your ads on Facebook, Instagram, and Twitter to achieve a perfect product launch.”

Chen Yansen suppressed his urge to curse, torn between laughter and exasperation. After a long pause, he gave in with a sigh: “Do as you please. But keep the slots limited—I don’t have time for your nonsense.”

“Got it, thanks, Boss! I’ll tell finance to add you a performance fee,” Zhang Yinjia joked boldly.

Chen Yansen suppressed his urge to curse, torn between laughter and frustration; after a long pause of over ten seconds, he gave in with a weary sigh: “Do as you please—but limit the slots. I don’t have time to waste on your nonsense.”

Zhang Yinjia grinned and hurried out of the office, practically skipping.

“Get out!” Chen Yansen cursed.

Zhang Yinjia grinned and scampered out of the office.

Chen Yansen furrowed his brow; this wave of corrupt energy seemed to stem from Ye Qiuping.

Thinking of this, Chen Zong immediately sent a text: Come to my office.

That afternoon, Orange Pay launched the campaign: “Buy Yu’e Bao, Split 10 Billion Experience Credits.”

The rules: From February 28 to March 31, the top holder by average daily balance in Yu’e Bao wins 3 billion experience credits (valid one day); ranks 2 to 10 each receive 300 million; ranks 11 to 50 each receive 50 million; ranks 51 to 100 each receive 20 million; ranks 101 to 200 split the remaining 1.3 billion.

Ten billion sounds impressive, but at a recent seven-day annualized yield of 5%, daily earnings amount to just over 1.3 million.

The top ten receive a free Orange C3 with 64GB storage; the first-place winner dines with the founder of Senlian Capital.

Just ten minutes after launch, the top holder’s Yu’e Bao balance surpassed one million.

Popularity exploded instantly across Weibo, Toutiao, Penguin News, Sohu, NetEase, and other platforms.

Money wasn’t the main draw—dining with a billionaire worth fifty billion U.S. dollars, even if just offered a few words of advice, could bring immense benefit.

It was China’s very own “Warren Buffett Lunch!”

And no need to spend tens of millions as a sucker—just buy Yu’e Bao.

Entrepreneurs eager to meet Chen Yansen, secure funding from Senlian Capital, or ride the hype all jumped in; within half an hour, the top holder’s Yu’e Bao balance exceeded five million.

The 200th-place holder’s balance stood at 193,000.

“Wait, are we even living in the same China?”

“Crying—ten years of working, saved only 27,000.”

“Bro above, at least you have savings—I’m all debt.”

“It’s only been half an hour—won’t the top holder hit 30 million tomorrow?”

“Damn, I just realized I have a hatred-of-the-rich problem.”

Netizens chattered endlessly.

Meanwhile,

Banks and financial firms flooded the complaint hotlines of the Banking Association and Fund Management Association.

Orange Pay and Zhi Fu Bao are openly violating rules—can’t the authorities see?

Are they blind?

According to Article 24 of the “Measures for the Administration of Fund Sales,” funds must not be sold via lotteries, rebates, or by giving away physical goods, insurance, or fund shares.

We tolerated Orange Pay’s previous experience credits, but now they’re giving away Orange phones—they’re dancing on the razor’s edge, too damn brazen.

Two hours later, Chen Yansen received a call; after hearing the demand, he said nothing, simply summoned Zhang Yinjia and ordered him to cancel the phone rewards—experience credits unchanged.

Immediately after, the page rules were slightly adjusted.

The campaign continued as planned, unaffected in the slightest.

Ma Liyun, seeing the authorities did nothing, immediately decided to copy the Yu’e Bao campaign exactly.

Banks and financial firms were utterly stunned!

Is this even reasonable?

The next day, Lingqian Bao launched its own discount coupon campaign: Buy 1,000 yuan of Lingqian Bao, instantly deduct 8.8 yuan!

(End of Chapter)