1. According to the information you provided, the online loan amount is only 1 10,000, which indicates that the credit evaluation result of the platform is low, and you may think that your repayment ability is limited or the risk is high.

2. Online lending platforms usually make a comprehensive evaluation based on personal credit status, income, credit records and other factors to determine the loan amount. If your credit score is low or you don't have enough proof of income, it is more common to give less money.

3. The online lending platform also needs risk control. By limiting the loan amount, the risk of overdue and bad debts can be reduced. Therefore, they may be more willing to give a smaller amount first and observe your repayment performance before making adjustments.

Summary: The online lending platform may give more than RMB 654.38+100000, which may be based on the consideration of your credit evaluation results, and they hope to provide services within the controllable risk. It is suggested that you fully understand the terms and interest rates in the loan contract, ensure timely repayment, and gradually establish a good credit record to increase the loan amount.

Extended data:

The online loan industry is strictly regulated by the regulatory authorities in China. In order to protect the rights and interests of borrowers and maintain the stability of financial markets, all platforms need to carry out strict risk assessment and compliance operation. You can learn more about relevant laws and policies to better understand the development and operation mechanism of the online loan industry.