With 40,000 second-hand house transactions per year, the risk has been locked in the system.

"If it wasn't for the system reminder, I might not have noticed that I had transferred an extra ten thousand yuan until the transaction was over." A homebuyer in Chengdu made an error while paying the down payment and transferred an extra 10,000 yuan. None of the three parties involved in the transaction noticed it, but the system detected the anomaly during the verification of the amount and prompted a check, ultimately leading to a refund. This was the closest he came to losing the house paymentsimilar "false alarms" occurred 40,700 times on the Beike platform in 2025. According to Beike (02423) data for the whole year, the platform identified and intercepted potential house payment risks in 40,700 transactions, with only 77 actual cases of house payment loss, reducing the overall risk occurrence rate to about 0.006%equivalent to only 1 in 16,000 transactions ending in house payment loss. Being the last "insurance" guarantee, Beike's "House Payment Security" commitment covered 21 cities in 2025. Over the past year, the platform has paid out a total of 148,000 yuan for transactions that meet the eligibility criteriaeach payout is real money that saves lives. In July 2025, a homebuyer in Nanjing, Ms. Li, bought a house for her daughter and son-in-law to retire in. The elderly woman from out of town paid a 50,000 yuan deposit, but when the seller disappeared suddenly, the transaction stalled. "I can't read or understand the law. I'm too tired after work and don't have the energy to pursue this money." After the seller disappeared, the Beike platform initiated full-chain collaboration, confirming the seller's fundamental breach of contract. The platform promptly paid Ms. Li 50,000 yuan in deposit loss and assisted in recovery. Considering the elderly woman's limited energy, Beike's legal team prepared the lawsuit materials in advance, the agent accompanied the filing process, and the team also compensated an additional 1,000 yuan in legal fees. "Choosing Beike gives us peace of mind knowing the company takes responsibility," said Ms. Li. Agents, in interviews, mentioned facing extreme situations in the past, feeling trapped between clients and uncertainties, unable to provide solutions while risking trust collapse. "Before, we couldn't promise a result, so we were anxious with the client. Now, we have confidence in how things will end." Store managers admitted that the team used to have a mental burden during transactions, fearing potential issues where clients would be upset, the store would lose money, and agents might resign, potentially damaging performance for half a year. Now, the "insurance" mechanism serves as a mental safety net, allowing the team to communicate more assertively with clients. Since 2018, AI risk control has become the foundation of the platform's infrastructure, leading to a system that interweaves human intervention with machine algorithms to eliminate risk points before they materialize. In 40,700 instances of risk interception, the majority of risks were eliminated before being realizedthe homebuyer often wouldn't even know they had come close to a risk. This result was not immediate. In 2007, Lianjia introduced the capital custody system to ensure fund security; in 2022, the standardized signing center went live, shifting offline processes into the system; in 2024, the "House Payment Security" commitment was first implemented in Zhengzhou; in 2025, AI intelligent risk control began taking overdeposit, down payment, and other critical points were constantly monitored in real-time, with deviations triggering alerts. Currently, house payment security capabilities cover 48 cities nationwide. Industry experts see these numbers as a sign of house payment security transforming from a marketing slogan to platform infrastructure. The evolution path of "true listings" bears resemblance to that of house payment security: both address industry challenges and face changing costs, gradually becoming basic expectations for consumers. The difference lies in true listings addresses "information authenticity," while house payment security addresses "the return of money"the latter being more critical to life and death situations. Just after the Spring Festival, the property market experienced a "mini-spring." While the industry discusses traffic and conversion rates, Beike attempts to prove that in this low-frequency, high-value, and decision-heavy sector, "security" is the most potent competitive advantage. After all, no one knows what pitfalls they might encounter while buying a houseunless someone helps them clear 40,700 hurdles first.