中文：

余额宝是阿里巴巴旗下的一款货币基金，由于其便捷性和高收益性，被广大用户所喜爱。那么，余额宝有什么保障呢？

首先，余额宝的基金管理人是由阿里巴巴集团旗下的蚂蚁金服担任。蚂蚁金服是一家专业的基金管理公司，有着丰富的基金管理经验和风险控制能力。基金管理人会对基金的投资进行严格的监管和控制，确保资金的安全。

其次，余额宝的资金存放于中国工商银行，并由中国农业银行和中国建设银行担任托管。托管银行会对基金的投资进行监督和管理，确保资金的安全性和流动性。同时，托管银行还会对基金的财务报表进行审计，确保基金的账目真实可靠。

此外，余额宝还采取了多种安全措施来保障用户资金的安全。例如，用户需要设置支付密码和手机验证等双重认证方式，确保只有用户自己能够操作余额宝的资金。如果用户的账户发生异常情况，余额宝会及时冻结账户，并联系用户进行核实，确保资金的安全。

总的来说，余额宝有着严格的风险控制措施和安全保障机制，能够确保用户资金的安全性和流动性。同时，余额宝的收益也比较稳定和可观，是用户进行理财投资的一个不错的选择。

英文：

Yu'EBao is a type of currency fund under the Alibaba group, which is loved by users for its convenience and high yield. So, what are the guarantees of Yu'EBao?

Firstly, the fund manager of Yu'EBao is Ant Financial Services, a professional fund management company under the Alibaba group. Ant Financial Services has rich experience in fund management and risk control. The fund manager will strictly supervise and control the investment of the fund to ensure the safety of the funds.

Secondly, the funds of Yu'EBao are deposited in Industrial and Commercial Bank of China and entrusted to Agricultural Bank of China and China Construction Bank. The custody bank will supervise and manage the investment of the fund to ensure the safety and liquidity of the funds. At the same time, the custody bank will also audit the financial statements of the fund to ensure that the accounts are true and reliable.

In addition, Yu'EBao also takes various security measures to ensure the safety of user funds. For example, users need to set up dual authentication methods such as payment passwords and mobile verification to ensure that only users themselves can operate their Yu'EBao funds. If there are abnormal situations in the user's account, Yu'EBao will freeze the account in a timely manner and contact the user for verification to ensure the safety of the funds.

Overall, Yu'EBao has a strict risk control measures and security mechanisms to ensure the safety and liquidity of user funds. At the same time, the yield of Yu'EBao is relatively stable and considerable, making it a good choice for users to invest in personal finance.