It has invested in premier logistics firms such as Shentong, Yuantong, Zhongtong and Yunda; most of their business comes from TMall and Taobao. Payment provider AliPay is expected to generate almost $5 billion in revenues by 2018; it has also created an online mutual fund, Yu'e Bao (becoming the fourth largest money manager in the world within 10 months). The new business Sesame Credit Management provides credit ratings to third parties.