The intelligent transformation of the payment industry is accelerating. On February 11, 2026, JD Tech officially launched an innovative payment product—"JD AI Pay". The launch of this product marks a critical step for JD in the field of "AI + scenario-based retail," and also indicates that large model technology is deeply redefining people's transaction experiences.

Voice as payment, achieving "see and buy"

"JD AI Pay" is based on JD's self-developed JoyAI large model.

Multi-device application: This payment feature has been first applied to the JoyAI App and the smart glasses JoyGlance.

Intelligent interaction: Users can complete secure payments with simple voice commands. For example, users can switch between different bank cards directly through voice during the payment process, greatly enhancing the convenience and flexibility of payments.

Double verification technology, safeguarding fund security

To address users' most concerned security issues, JD Tech Holding Co., Ltd. introduced strict financial-grade security solutions:

Dynamic commands: Verification is required through dynamic voice commands during the payment process.

Voiceprint recognition: Combined with live voiceprint recognition technology, it ensures that the payment operation is performed by the user themselves, effectively preventing fraud risks.

Industry insight: Giants compete in the new AI payment track