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Is the electronic contract legal? Is a p2p platform like Shoudai.com legal?
Whether a contract is legal or not depends on whether its contents violate the prohibition provisions of the law, and has nothing to do with the form of electronic contract or paper contract;

One of the most important attributes of a contract is that it can be used as evidence, that is, when a dispute occurs, it can be used as the basis for judgment; Of course, electronic contracts can also be used as evidence, but the problem is that electronic contracts are different from paper contracts, and it is impossible to judge whether the parties have signed and agreed to the contents of the contract by signing and sealing, and electronic documents are easily forged, so the legal proof effect of general electronic contracts as evidence is very low.

In order to solve this problem, some electronic contract service providers have appeared the so-called electronic contract signing service that provides electronic certificate signing technology in the name of a third party, which improves the effectiveness of evidence. However, as long as the "U shield" is not used, the requirements of "reliable electronic signature" stipulated in the Electronic Signature Law will not be met, and its legal proof effect is not high, because these service providers can forge contracts very easily.