Does the questioner want to ask "Is Jike Youqian's borrowing platform formal?" It is formal. According to Baidu Encyclopedia:

1. Jike Youqian is a comprehensive consumer finance and life service platform launched by Guangzhou Greenland Jike Small Loan Co., Ltd. through big data analysis, artificial intelligence and Machine learning technology provides financial product search, matching, and recommendation services for individual consumers, small and micro enterprises, and individual industrial and commercial households.

2. The maximum limit after approval is 200,000 yuan. You can apply with your ID card and bank card. The credit is granted once and can be used repeatedly. It is valid for 5 years. The daily interest fee starts from 1.2 cents. The annualized interest rate (single (Lee) 7.2-24 (subject to review) to meet the needs of your life and consumption scenarios.