As a product of JD Finance, JD.COM Baitiao logs in with a mobile phone number or JD.COM account, which provides users with certain security. Jingdong Finance has always paid attention to user privacy and capital security, so the possibility of leakage is very small. Users can strengthen account security by changing passwords regularly, setting complicated passwords and avoiding logging in in public network environment. The IOUs transaction is mainly conducted in JD.COM Mall, and users can use it with confidence. Although some users report that there are some restrictions on the use of coupons, on the whole, JD.COM IOUs are reliable in terms of security.