Hello, Wowallet account is your personal account for registering Wowallet. Usually registered with your mobile phone number. If you are not registered, you can use your mobile browser to open: epay. 100 10.com, and download the Wo Wallet app to register. My wallet has no function of borrowing money for the time being. I suggest you log on to the Wo Wallet APP to find out. The specific functions are subject to the information of relevant functional plates actually displayed by Wowallet.