Money is formal, and it is essentially a loan intermediary platform. Zhenyouqian is a loan product owned by Hellobike. It does not provide a separate APP, and users need to apply through the Hellobike APP. Zhenyou mainly provides microfinance services. When the user applies, the platform will match the appropriate employer according to the user's qualifications. If the user meets the loan conditions of the employer, he can successfully borrow money. Employers of platforms are usually formal consumer finance companies. In some cases, these employers may conduct a second audit, including checking the credit of the borrower's central bank. Therefore, if the user's credit record is poor, it may be rejected in the audit stage.