According to "Electronic Signature Law of People's Republic of China (PRC)", it can be known that electronic signature has the same legal effect as handwritten signature and seal, the loan content complies with the law, and both parties are willing and equal when signing the loan, so the loan is legal. Yomi Sign is an electronic signature platform, and the loan service provided is based on electronic signature technology, so the loan relationship between the two parties can be proved to be legal and effective through the loan signed by yomi.