The lender refers to the party that lends funds. In Tencent Electronic Signature, the lender refers to the party that lends funds. In the "Tencent Electronic Signature" applet, lenders and borrowers can freely create IOUs and fill in information such as name, ID number, loan amount, agreed interest rate, repayment date, etc. After both parties pass facial recognition and handwritten signatures, the IOUs to take effect.