Chengzheng Youguanjia is an online loan platform. There is no clear legal definition of the legality of online lending platforms, but it usually refers to platforms that operate within the legal framework.

Certificate Youguanjia itself does not directly provide lending services, but serves as an information intermediary to help borrowers and lenders match and trade. Therefore, if the operational behavior of Dezheng Youguanjia complies with relevant Chinese laws and regulations, such as complying with the Cybersecurity Law, Advertising Law, etc., then it can be considered legal.

In addition, if the deposit card manager is involved in criminal activities such as routine loans, it may be suspected of violating the law. According to the provisions of the Criminal Law of the People's Republic of China and the People's Republic of China, routine loans are a form of fraud that may involve illegal detention, extortion, fraud and other crimes.

To sum up, as an online lending platform, Dezheng Youguanjia can be considered legal if its operations comply with relevant laws and regulations and do not involve illegal or criminal activities. However, it should be noted that online loan platforms have higher risks and investment needs to be cautious.