According to "Electronic Signature Law of People's Republic of China (PRC)", it is recognized that electronic signature has the same legal effect as handwritten signature and seal, the content of the loan is in accordance with the law, and both parties are voluntary and equal when signing the loan, so the loan is legal. Yomi 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 IOU signed by yomi.