Leyiwanka loan is unreliable and unsafe. Leyiwanka is not a formal platform, but a fraud platform that induces users to open members. Formal loan companies generally include: natural persons, corporate legal persons and other social organizations' investment-related contents. The formal procedures for operating micro-loan business have the characteristics of simple procedures, large scope of mortgage pledge and flexibility, and they quickly gain incomparable advantages over traditional loan methods such as individuals and small enterprises, and are favored by customers. The process of small loan companies is relatively standardized, and there will be no arbitrary charges before the borrower applies for and handles related business. If this happens, it is basically a lie.