Comparison

征信 vs 灵光

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

征信

Features
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征信查询-个人风险报告是一款专业的查询软件; 为用户提供权威的信用检测服务,随时保护用户的信息查询报告; 信用报告-一键在线获取,快速解读信用记录; 线上查看信用报告,失信记录、失信原因一目了然; 全方位帮您了解信用情况,是您的贴心信用管家; 让用户随时保护自己的信用情况,创造更多的信用价值。 ——特色功能—— 【信用查询】 数据更新迅速,实时获取征信查询报告,轻松管理您的信用情况 【信用报告】 在线一键获取,信用报告简洁丰富,查询信用报告完整呈现,在线了解更多失信记录,失信原因等 【失信查询】 权威来源,覆盖多行业,连接风控服务平台 【征信资讯】 了解当前热门的征信资讯,获取征信知识,享受信用生活 【隐私安全】 严格保护您的查询记录,让你的信用无后顾之忧 温馨提示:本软件并非央行征信查询软件。主要提供大数据信用检测,助您了解自身信用情况,规避信用风险,享受信用人生。

About

灵光

This AI-powered assistant helps manage complex tasks and daily affairs. It understands goals, organizes steps, and proactively tracks progress from start to finish. Connect to services to save money and time, and receive timely reminders for important events.

Highlights
  • Proactive AI task management
  • Service integration for savings
  • Continuous progress tracking
  • Task status visualization
  • Creative content generation
  • Secure credential management
Features
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蚂蚁集团旗下灵光 App全新升级2.0,为每个人带来一个更主动、能持续跟进和管理复杂事情的AI助手。 你只需把复杂、琐碎的事情交给灵光,它会自己理解目标、理清思路、组织步骤,主动把事情推进下去,把你交代的事从头跟到尾。 灵光,让复杂,变简单。 ——核心功能—— 【生活大小事,灵光「帮我管」】 电商大促买手机,从挑选机型、多平台优惠比价,到降价提醒,帮你持续跟进;宝宝辅食从每周餐单、采购备餐,到进食反馈和后续调整。围绕同一件事统筹安排,记住你的偏好,让每次沟通都接得上。 【连接常用服务,帮你省钱省事】 各类平台会员每个月还在扣钱?授权连接支付宝,灵光帮你核对续费服务、梳理扣款记录,算清累计支出,发现容易忽略的花费。也能连接钉钉、飞书、滴滴出行及智能硬件,串联日常信息与服务,减少来回切换。 【离开对话,也能持续推进】 机票降价,演唱会开票、加场,出行天气和路况有变化……灵光按约定持续关注,在需要你留意或行动时主动提醒,并给出下一步建议,少一点反复查询和惦记。 【事情到哪一步,一眼就清楚】 房源看到哪、训练完成多少、购物花了多少,打开「帮我管」即可查看。计划、清单和记录随进展更新,已完成什么、接下来做什么,清清楚楚。 【随时问、随手创作,想法变成工具】 搜索问答、拍照识图、图片与视频创作,日常所需随时满足。一句话生成可交互、可编辑的闪应用,在灵光圈发现实用工具、探索有趣玩法,分享你的创意与作品。 【安心托付,全程守护】 灵光将 APASS 引入任务执行流程,为跨智能体、跨设备、跨应用与服务场景中的账号和授权凭证提供独立加密保护,让智能体无需直接接触授权密钥,也能安全地为你执行任务。授权可随时查看、调整或撤销,让智能体始终在你授权的范围内办事。

Screenshots

征信4 screens
灵光4 screens

Verdict

The call

The clearest difference is in-app purchases: 灵光 at none against 征信's 10. 灵光 also leads on ads (none vs shown) and update cadence (every 10 days vs every 2 months). 征信's advantage is iOS requirement (12.0 vs 15.0). On price and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. 征信 sells 10 one-off in-app purchases. 灵光 asks for nothing beyond the download.

UpkeepUpdate frequency

征信 ships an update every 2 months, 灵光 every 10 days. The most recent releases landed on October 26, 2026 and November 8, 2026 respectively.

Scorecard4 real differences · 6 level
征信 versus 灵光: the parameters behind the verdict, then further details
Parameter征信灵光
PriceFreeFree
Rating—4.1 (89 ratings) — better
Positive reviews—74.0% of reviews
Number of ratings—89 — better
Update frequencyEvery 2 monthsEvery 10 days — better
AdsYesNo — better
In-app purchasesYesNo — better
Monetization—Free
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS12.0 — better15.0
Further details — not scored
Size38 MB287 MB
Age rating4+12+
Developer浙江利得行金融信息服务有限公司Alipay (Hangzhou) Technology Co., Ltd.

In-app purchases

10 purchases

征信

One-time10
  • 身份证真伪核验$0.99
  • 手机号在网状态核验$0.99
  • 运营商优化$1.99
Show 7 more
  • 运营商优化$2.99
  • 信用检测$2.99
  • 信用检测$3.99
  • 投资任职信息$3.99
  • 司法执行信息$3.99
  • 个人司法及申请风险报告$3.99
  • 申请风险深度检测$3.99
None

灵光

No in-app purchases

Questions

Is 征信 free?
征信 is free to download, with in-app purchases available.
Is 灵光 free?
灵光 is free to download, with no in-app purchases.
Do 征信 or 灵光 have ads?
征信 shows ads; 灵光 does not.
Which is updated more often, 征信 or 灵光?
征信 ships an update every 2 months, and 灵光 every 10 days. Most recently, 征信 was updated on October 26, 2026 and 灵光 on November 8, 2026.

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