Yes "Tianxing Bai Yong" is deployed in the self-operated online lending platform of bank of tianjin Online Lending (hereinafter referred to as "self-operated online lending platform"), which supports the business management of the whole life cycle of loans and is an online loan. Online lending, also known as peer-to-peer lending, is a kind of private lending and is legal. It uses qualified websites (third-party companies) as an intermediary platform, and borrowers publish loan targets on the platform.