产品型号：iPhone 12
系统版本：iOS 14.4.1
软件版本：支付宝10.2.10
花呗不能提取或转让。花呗是信用消费分期产品，目前只能用于淘宝、天猫、部分外部商户及线下商户购物。网上所说的花呗如何提取现金以及具体提取方式均属于非法操作，情节严重的可能涉及刑事犯罪。
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