中文：

支付宝余额宝是支付宝推出的一项增值服务，用户将资金转入余额宝，就可以获得一定的收益。余额宝的收益是由基金公司提供的，用户转入余额宝的资金实际上是购买了基金产品。

余额宝的收益如何计算呢？一般来说，余额宝的收益是根据基金的收益情况来计算的，具体公式为：收益 = 已确认金额 / 10000 × 当日万份收益。其中，“已确认金额”指的是用户在当天之前购买基金，并且在当天已经确认的金额；“当日万份收益”则是基金公司公布的当日每万份基金的收益。

除了获得收益之外，余额宝还可以直接用于购物、转账、缴费等操作，非常方便。同时，余额宝还具有随时提现的功能，用户可以将资金转入余额宝，然后随时提现到银行卡或支付宝余额中。

总的来说，支付宝余额宝是一项非常实用的增值服务，不仅可以让用户获得一定的收益，还可以方便地进行各种操作。

英文：

Alipay Yu'EBao is an additional service launched by Alipay. Users can transfer money to Yu'EBao to obtain certain returns. The returns of Yu'EBao are provided by fund companies. In fact, the money transferred by users to Yu'EBao is to purchase fund products.

How to calculate the returns of Yu'EBao? Generally speaking, the returns of Yu'EBao are calculated based on the returns of the fund, and the specific formula is: returns = recognized amount / 10000 * daily per thousand returns. Among them, "recognized amount" refers to the amount of funds purchased by users before that day and confirmed on that day; "daily per thousand returns" refers to the returns announced by the fund company for each thousand fund on that day.

In addition to obtaining returns, Yu'EBao can also be used for shopping,转账, fees and other operations, which is very convenient. At the same time, Yu'EBao also has the function of anytime withdrawal. Users can transfer funds to Yu'EBao and withdraw to the bank card or Alipay balance at any time.

Overall, Alipay Yu'EBao is a very practical additional service. It can not only allow users to obtain certain returns, but also facilitate various operations.