Some P2P platforms are guaranteed by insurance companies. For example, lufax is a safe platform.
There are some P2P platforms with the reputation of guarantee companies. In fact, they are all empty shells, so investment needs to be cautious.
If you want to borrow money, it is also very reliable to pay risk margin to third-party fund custody platforms and banks. The borrower repays the principal and interest in advance on the platform the next day.