First Look at the AI-Powered Alipay! The Biggest Redesign in 20 Years—The Home Page Is Gone

Swipe right,AlipayThe tide has turned.

Today, this wildly popular app was launchedAI Version, with the interface streamlined to just “Abao”Conversation Assistant and “Assets”The ledger's two main sections. This is its most radical self-revolution in nearly 20 years."

The AI version of Alipay is currently in closed beta testing. Users who have been granted access to the beta can swipe right on the Alipay homepage to access the new interface, where they’ll see “Abao” appear as a young woman, with interactions taking the form of dialogue boxes.

We were among the first to put it to the test, and our biggest takeaway was:Getting things done really is as simple as asking—it's quick.

When I told A Bao, “Book an appointment for me at the orthopedics department at Zhe Yi,” it instantly understood that I meant “Zhejiang University First Affiliated Hospital” and quickly took me straight to the corresponding specialist appointment page.

Just say, “Transfer 500 yuan to Mom,” and it immediately recognizes your intent and carries it out; whether it’s paying your phone bill, checking your social security status, or tracking a package—you can even discuss gold prices and ask for a regular investment plan during a multi-round conversation—all in one seamless process.

What surprised me even more wasLong-term tasks—When I said, “I’m taking my kids to Shanghai Disneyland this weekend—please buy tickets for me, book a nearby hotel, and recommend some restaurants,” A Bao not only suggested an itinerary but also asked about my flight details and automatically assumed my departure city, providing flight recommendations that were quite reasonable.

However, Alipay has drawn a clear line when it comes to fund management: AI handles errands, butMoney must be managed personally.“The ”Assets” page consolidates transaction details from Yu’ebao, Xiao Hebao, and other services, automatically categorizing them based on voice-activated entries, but each payment requires the user’s confirmation.

The role of AI in “Assets” is currently more like that of a sentinel. For example, I can use “Keep an eye on something”Set up the feature to alert me when it detects that “the AI sector has risen by over 31 TP4T in a single day.”"

Compared to other AI assistants on the market, such as Doubao, Qianwen, and DeepSeek, Abao’s key differentiator may lie in Alipay’s decade of experience inA Trillion-Service Ecosystem...One simple phrase takes you straight to the service portal, with an extremely fast response time.

Of course,You can switch freely between the AI version and the original version...leaving room for ordinary users to adapt. But a clear signal has been sent: Alipay is using AI to completely reshape the digital gateway for its 1 billion users, and this all-out product showdown has only just begun.

I. Hands-on Test of “Abao”: Book an Appointment, Check Social Security Status, and Pay Your Phone Bill in Seconds with a Single Voice Command

Upon opening the Alipay AI version, we found the interface to be extremely minimalist. “Abao” takes the form of a young woman; when Zhidongxi asked her to introduce herself, she said she couldAuditing, Handling Affairs, and Providing Advice...and posted a meme featuring a cat.

Let's first take a look at A Bao's basicsNatural Language Understanding Accuracy RateWhen you ask Abao to “transfer 500 yuan to Mom,” it can immediately recognize the intent and respond withMoney TransferInterface; Frequently used “Track a Package”, which lets you see the status of all your packages at a glance, saving you the time you'd spend waiting for updates.

Meanwhile, A Bao was inConsistent performance throughout multiple rounds of dialogue. For example, when you ask itWhat is the price of gold?, ask it to recommend a regular investment plan; it can maintain the continuity of the conversation, analyze gold price trends and bullish and bearish factors step by step, provide investment advice, and further offerSetting Up a Regular Investment Planthe Services page.

Abao is still okay.Set Up a Scheduled Task. For example, I can set up a reminder to pay off my credit card on the 21st of every month, so I can avoid late payments.

When the “Pay Water Bill” reminder I set goes off, A Bao will send me a message in the chat window.

One of A Bao's main features isAI Integration Across a Vast Number of Mini Programs. For example, when letting Ah BaoOrder a cup of milk tea...It responds even faster than expected; the entire process, from selecting a product to checkout, is seamless. The GIFs below are all unedited.

交话费...and with just one click, you're taken to the page—Abao has even entered the phone number for you.

In common government and public service scenarios, just ask A BaoCheck Social Security...It also allows users to access the page quickly, eliminating the need to search or navigate within the mini-program.

Let's take another lookLong-range, multi-step, multi-service combination tasksWhen Zhidongxi asked, “I’m taking my kids to Shanghai Disney this weekend—can you help me buy tickets, book a nearby hotel, and recommend some restaurants?”, Abao first suggested an itinerary and the official flagship store mini-program.

After I asked for more details about flights and hotels, it provided specific recommendations and introduced a new service portal. As for the flight recommendations, it automatically set my current location as the departure point, and the flight selections were reasonable.

When I mentionedHealth Issues, Abao and its “sibling” Afu have similar functions; in addition to providing an analysis, they can also provideAccess to Online Hospitals.

At the same time, it will also help query the localPharmacy Locations, and searchThe pharmacy's phone number, please provide it to me.

Another example is saying to A Bao, “My car is almost out of power. Can you help me find a charging station?”, it lists charging stations by distance based on the user's authorized location information and displays the number of available fast and slow charging spots along with their prices. Once the user makes a selection, they simply need to park and tap “Charge” to complete the process—there's no need to switch between different mini-programs or pages.

Leveraging Alipay’s ecosystem capabilities, users can have Abao do something with just a single commandUnderstanding Intent, Matching ServicesIn addition to the scenarios mentioned above, you can use it for all kinds of daily tasks, such as scheduling home appliance repairs, sending packages, hailing a ride, and ordering food.

II. New Funds Management Interface,AI runs errands and keeps tabs on people; humans are in charge

When it comes to money management, Alipay does not rely on AI; instead, it presents this information on a separate “Assets” page.

As shown on the “Assets” screen, the details of funds that were previously scattered across Yu’ebao, Xiao Hebao, and other platforms have been consolidated into a single “Personal Ledger”, users can clearly see the destination and balance of each transaction.

For example, I can use this section toOne-Line Bookkeeping...Just say, “I spent 2,000 on baby diapers,” and it will automatically record the transaction in the appropriate category in the ledger.

To give users greater peace of mind, Abao has added “Safety Lock”: Abao assists users with tasks but does not use their funds; the AI only carries out actions that the user has explicitly consented to. Any transactions involving financial changes or payments must be confirmed by the user personally.

“Users always retain control over their Alipay funds, and we remain committed to ‘If you dare to pay, I dare to reimburse you’...and the security framework will continue to be strengthened,” said Li Jun, president of Ant Group’s Alipay Business Group.

Currently, Alipay has become the payment app that has embraced AI most thoroughly. Less than a month ago, in late May, Alipay unveiled its “full suite” of AI payment solutions—launching the world’s first Token Pay service and an AI wallet product. Together with its existing AI-powered payment and collection services, these form a full-stack, AI-native payment system covering authorization, payment, settlement, management, and security.

The launch of the AI version of Alipay signifies that this infrastructure has been fully integrated into the front end of a super app with 1 billion users, marking a further step into a head-to-head product competition.

Conclusion: Alipay’s Biggest Redesign Ever—AI Streamlines Service Workflows

The AI industry is at a critical turning point where the digital and physical worlds are converging. Users’ expectations of AI have moved beyond conversational chat to a focus on its ability to provide practical services in real-life scenarios.

The updated Alipay retains both the original version and the AI version, allowing users to switch freely based on their preferences and providing a gradual transition for users who have little experience with native AI applications.

For service providers, Abao offers a more direct entry point that can be utilized with greater precision. Alipay will soon launch an Agent Open Platform for developers, merchants, and service providers, allowing partners to integrate into the Agent ecosystem without the need for additional development.

Source: Smart Stuff