No. Peer-to-peer lending, that is, peer-to-peer lending, is a lending activity through the Internet platform; JD.COM E-Card is a single-purpose commercial prepaid card issued by JD.COM Mall, which can be used to purchase self-operated goods in JD.COM and registered with the prepaid card. Prepaid cards are also called stored value cards, consumer cards, smart cards, loyalty cards, etc. As the name implies, it is a card that pays first and then consumes. Therefore, JD.COM E-card is not an online loan activity, but a kind of card. The purpose of JD.COM e-cards is to buy only JD.COM. COM, that is, the page shows "JD. COM "or the third card purchase reminder, and the product number is 6 or 7 digits; Publications, global purchases, virtual products, partial group purchases, energy-saving subsidies and snapping up goods, investing in gold and silver, seizing Treasure Island, and third-party sellers' goods are not included.