Reliable. From the perspective of WeChat, as one of the largest social media platforms in China, WeChat has strong technical support and a huge user base behind it. Through the real-name registration system and bank card binding, WeChat authenticates users, controls the flow of funds, and ensures the security of the loan process. Wechat also provides a user feedback and reporting mechanism to punish and deal with violations, which enhances the reliability of the platform in the loan process.