360 borrows 80,000 yuan, with interest of 20,000 yuan for two years. According to relevant public information, if it is the annual interest rate, it is 25% of the annual interest rate, and the interest: 80,000 times 25% equals 20,000 yuan. 360 IOU is an unsecured pure online consumer credit platform launched by 360 Finance, which evaluates customers' credit as a whole based on 360 big data and provides instant cash loans on this basis.