Legal analysis: Alipay account needs real-name authentication to apply for a loan, and it will verify whether it meets the application for opening an account according to the usage of the account. If it is 16 years old, it is impossible to apply for real-name authentication.

Legal basis: Civil Code of People's Republic of China (PRC).

Nineteenth minors over the age of eight are persons with limited capacity for civil conduct, and they are represented by their legal representatives or approved and ratified by their legal representatives; However, civil legal acts that are purely beneficial or suitable for their age and intelligence can be implemented independently.

Article 22 An adult who cannot fully recognize his own behavior is a person with limited capacity for civil conduct. When performing a civil juristic act, he shall be represented by his legal representative or approved and ratified by his legal representative. However, civil legal acts that are purely beneficial or suitable for their intellectual and mental health can be implemented independently.

Article 24 If an adult is unable to identify or fully identify his/her own behavior, his/her interested parties or relevant organizations may apply to the people's court to identify the adult as a person with no or limited capacity for civil conduct.