If the piggy bank is not opened, members can usually receive the money within two hours. The earliest payment in the piggy bank will not exceed 2 hours, and it can be received within half an hour at the earliest. Yang Qianguan is an APP of peer-to-peer lending information intermediary platform, which provides users with information intermediary services in peer-to-peer lending. The piggy bank is similar to many other loan software. When applying for a loan, the applicant is required to be at least 18 years old, have a stable job and economic source, and have a good credit record. The loan interest of the piggy bank is related to the applicant's comprehensive credit. The better the comprehensive credit, the lower the loan interest rate.