Comparison

真融宝 vs 道口贷

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

Head to head
About

真融宝

A comprehensive fintech platform offering convenient and efficient financial services for everyday investors. Start investing with as little as 100 yuan, earn interest from the next day, and withdraw funds in as fast as one minute. Backed by reputable investors and a strong track record.

Highlights
  • Invest from 100 yuan
  • Interest accrues next day
  • Fast withdrawals
  • Diverse investment terms
  • Bank custody for funds
  • Third-party guarantee mechanism
  • High security certifications
Features
Read full description

真融宝是一家综合性的金融科技平台,为大众投资者提供便捷、高效的金融服务,100元起投,次日计息,提现最快一分钟到账。真融宝先后获知名投资机构红杉资本、经纬创投亿元以上投资。累计交易总额超过2000亿元,累计服务用户250多万! 为什么选择真融宝? 1、实力雄厚: 已获得知名投资机构红杉资本近亿元的投资,红杉资本还投资过阿里巴巴、360、京东、新浪网。 2、金融服务多样化: 1)投15天年化利率4.3% 2)投30天年化利率5.2% 3)投90天年化利率6.2% 4)投180天年化利率7.2% 5)投360天年化利率8% 还可以选择更多投标期限~~ 3、风险控制: 1)银行存管,用户资金和平台资金有效隔离 2)获得公安部门认证的三级安全等级认证 3)出借的标的分散,防止系统性金融风险 4)第三方担保机制,历史兑付率100% 4、外界认可: 1)国家高新技术企业认证 2)2017年度最佳金融科技平台 3)2017中国金融科技50强 4)互联网金融科技协会理事会员单位 5)真融宝客服团队荣获中国客服节“明星班组”称号 联系方式: 客服电话:1010-1008(365天全年无休) 官方网站:www.zhenrongbao.com 官方微博:weibo.com/zhenrongbao 微信服务号:真融宝 粉丝交流QQ群:314903823

About

道口贷

This platform offers supply chain financial services to small and medium-sized enterprises by partnering with core businesses. It aims to reduce financing costs through transparent data disclosure and provides investment options with annual rates of 7%-12%.

Highlights
  • Supply chain finance services
  • Partnerships with core enterprises
  • Transparent data disclosure
  • Annual interest rates of 7%-12%
  • Low investment threshold (¥100)
  • Shanghai Bank fund custody
Features
Read full description

道口贷-五周年 服务实体 守正创新! 供应链金融一专注于企业供应链金融服务,通过与优质核心企业建立战略合作,对供应链数据的充分披露,来降低供应链中小企业的融资成本。 银行资金存管一上海银行存管,更加合规 项目信息透明一降低信息不对称,出借去向知根知底。 【用户评价】 “在道口贷出借快4年了,看到我的累计利息竟然有这么多!真是一个惊喜。道口贷供应链金融的模式让我更安心,耐心的客服美眉也很暖心。” “对道口贷很熟悉了,贡献一个宜传口号给你们,采用记得给个大红包啊~萌萌哒~" “小白出借安全第一,道口贷合规方面做的不错,国资背景相对靠谓。” “每月闲钱出借2000块,将来儿子奶粉钱有着落了。" 【产品描述】 专注于供应链金融服务,通过与优质核心企业建立战略合作,对供应链数据的充分披露,来降低供应链中小企业的融资成本。 7%一12%年化利率区间,1-12月多种出借期限产品可供选择,最低100元起投,出借门槛低。 道口贷自2014年上线以来,专注供应链金触业务,探索这种不依托抵押担保,而是强调供应链企业间信用传导与基于互联网的信用约束,真正利用金融科技实现风险定价和风险分散的服务方式,已服务食品饮料、建筑工程、农牧业、运输业、节能环保、零售快销等多个行业。 供应链金融也是银行对公业务模式之一,并非道口贷首创,道口贷在此基础上通过互联网和大数据等手段,在风险控制方面平台通过对项目充分的信息披露,确保资金流向清晰透明,融资项目期限金额与具体贸易背景一一对应,确保企业间风险互不传导,对风险问题及时出清,避免风险的滚动累积。 基于以上,才有了道口贷近4年以来的服务,年化7%-12%的项目利率,以及远低于行业均值的风险逾期率。 【公司描述】 道口贷一科技创造信用,金融服务实体! 道口贷聚焦“社交网络+供应链金融”,采用创新的金融科技手段,逐步探索出中小企业依托互联网进行直接融资的“三个机制”:第一,通过“金骏眉”风险定价系统,实现对中小企业和各类资金提供方更有效率的风险定价和风险分散机制;第二,通过“道口云”应收账款融资管理系统,实现中小企业及供应链企业间的信用传导机制;第三,通过“道口贷”网络借贷服务系统,实现以充分披露为主要措施的企业信用约束和出借人保护机制。在这“三个机制”基础上,道口贷为众多中小企业及其供应链企业实现了低成本、高效率、风险可控的融资服务。 【联系我们】 一官网地址:https://www.daokoudai.com/ 一客服电话:400-622-7618 一微信服务号:道口贷服务号 一微信订阅号:道口贷

Screenshots

真融宝4 screens
道口贷4 screens

Verdict

The call

The clearest difference is review sentiment: 真融宝 at 83% against 道口贷's 50%. 真融宝 also leads on rating (4.7 vs 4.5) and update cadence (every 2 weeks vs every 5 weeks). On price, ads, in-app purchases and monetization model 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

真融宝 holds the better App Store score, 4.7 against 4.5. Both are backed by a comparable volume of ratings — 38 and 8 respectively. Written reviews point the same way: 83% of 真融宝's written reviews are positive against 50% of 道口贷's.

UpkeepUpdate frequency

真融宝 ships an update every 2 weeks, 道口贷 every 5 weeks. The most recent releases landed on September 13, 2026 and June 10, 2026 respectively.

Scorecard5 real differences · 5 level
真融宝 versus 道口贷: the parameters behind the verdict, then further details
Parameter真融宝道口贷
PriceFreeFree
Rating4.7 (38 ratings) — better4.5 (8 ratings)
Positive reviews83.3% of reviews — better50.0% of reviews
Number of ratings38 — better8
Update frequencyEvery 2 weeks — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad, iPod
Requires iOS8.0 — better12.0
Further details — not scored
Size61 MB53 MB
Age rating4+4+
Developer北京快快网络技术有限公司Beijing Daokoudai Technology Co., Ltd.

Customer experience

真融宝

All ratings38 ratings
Positive92.1%
Neutral0.0%
Negative7.9%
Written reviews6 reviews
Positive83.3%
Neutral0.0%
Negative16.7%

道口贷

All ratings8 ratings
Positive87.5%
Neutral0.0%
Negative12.5%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

真融宝

No in-app purchases

None

道口贷

No in-app purchases

Questions

Is 真融宝 free?
真融宝 is free to download, with no in-app purchases.
Is 道口贷 free?
道口贷 is free to download, with no in-app purchases.
Which has better reviews, 真融宝 or 道口贷?
真融宝 is rated higher. 真融宝 averages 4.7 out of 5 from 38 ratings, while 道口贷 averages 4.5 from 8 ratings.
Do 真融宝 or 道口贷 have ads?
Neither 真融宝 nor 道口贷 shows ads.
Which is updated more often, 真融宝 or 道口贷?
真融宝 ships an update every 2 weeks, and 道口贷 every 5 weeks. Most recently, 真融宝 was updated on September 13, 2026 and 道口贷 on June 10, 2026.

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