1. Open the JD.COM application and log in to your account.
2. Find the My page on the home page or the bottom navigation bar, and then click Enter.
3. On the My page, find and click the My Wallet option.
4. After entering the "My Wallet" page, browse the page to find "Financial Services", and then click Enter.
5. On the "Financial Services" page, continue the search and click "Consume Now".
6. After entering the "Buy Now" page, browse the page to find the "Loan Certificate" and click Enter.
7. On the loan certificate page, you can select the type of loan certificate to be issued, such as settlement certificate.
8. Fill in relevant information, including loan account number and borrower's name.
9. After filling in the relevant information, click the Submit button.
10. After submission, you need to wait for the official review of your application.
1 1. After approval, the settlement certificate will be mailed to the address you provided.