Instant wallet checks credit information. Because instant wallet is a formal loan app, this loan platform will check the credit information, and formal lending institutions will carefully review the loan qualifications of customers. If the customer's credit report is found to be tainted or otherwise unqualified, the loan platform will not easily issue the loan amount. Instant wallet is a kind of software that cardholders can use to conduct secure electronic transactions and store transaction records. Instant payment is a decentralized communication method. The advantage of instant payment is that it solves the congestion problem of smart contract payment and can realize real-time and massive trading network.