On November 5th, Alipay launched a new service called “Ant Flower” (蚂蚁合花). Under the service users can invite other Alipay users to participate in Ant Flower and use functions such as joint-savings and bill management. Users can manually transfer funds from their Yu'e Bao account to Ant Flower, or set a fixed time to transfer from a designated account. Consumers can choose Ant Flower to make in-store payments and the app can also be used for online shopping. In addition, under the joint-savings function, parties can set a monthly spending limit through the service.