Unverified50% confidenceFactExact time
Fintech平台提供高APY的盈利模式基于净利差（NIM），将用户存款投入短期国债等低风险工具，平台向用户支付的APY低于底层资产收益率，差额即为利润
1
Sources
50%
Confidence
Long-term
Relevance
8/7/2026
First Seen
Sources
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