> For the complete documentation index, see [llms.txt](https://docs.vida.id/identity-stack/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.vida.id/identity-stack/product/industry-use-cases/peer-to-peer-p2p-lending.md).

# Peer to Peer (P2P) Lending

### Peer-to-Peer Lending Platform - Use Cases

VIDA enables secure, compliant onboarding and transaction flows for P2P lending platforms. From identity verification and income assessment to e-signed agreements and real-time fraud monitoring, each step ensures trust and safety for both borrowers and lenders.

<figure><img src="/files/gArahVrJfJFBP2Q92exG" alt=""><figcaption></figcaption></figure>

#### Customer Onboarding & KYC

* The borrower or lender signs up on the P2P lending platform.
* The platform collects identity documents and government-issued ID.
* [**OCR**](/identity-stack/verify/document-ai.md) extracts data from the uploaded ID for automatic data entry.
* [**KYC**](/identity-stack/verify/indonesia-verification.md)  validation verifies the authenticity of the identity and ensures regulatory compliance.

#### Liveness Detection & FaceMatch

* The user is prompted to take a selfie for identity verification.
* [**Liveness Detection**](/identity-stack/verify/liveness.md) ensures the user is physically present and not using a spoofed photo or video.
* [**FaceMatch**](/identity-stack/authentication/authentication-factors/biometric-device-selfie-id/integration-methods/face-match-api.md) compares the selfie with the photo on the ID to confirm the identity.

#### Financial Risk Assessment & Income Verification

* Borrowers are asked to provide proof of income and bank details.
* [**Income Verification**](/identity-stack/verify/income-verification.md) tools analyze and validate income sources and consistency.
* [**Document Validation**](/identity-stack/verify/document-ai.md) ensures the authenticity of income-related documents.

#### Consent for Loan Agreement using e-Signatures

* Once a borrower-lender match is made, the platform generates a loan agreement.
* [**e-Meterai**](/identity-stack/sign/e-meterai-stamp/api-integration/e-meterai-api.md) is used to digitally sign and stamp the agreement with legal binding.
* This ensures clear consent and legally compliant loan initiation.

#### Login & Account Activity Security

* [**Device Authentication**](/identity-stack/authentication/authentication-factors/cryptographic-token-pki.md) ensures account access is only allowed from verified devices.
* This safeguards access and prevents account takeover.

#### Fraud Detection & Account Monitoring

* The system monitors unusual borrower or lender behavior for fraud.
* [**Liveness Detection**](/identity-stack/verify/liveness.md) may be re-initiated for sensitive actions or high-value disbursements.

**AML-CTF Checks**

* AML-CTF checks identify fraudulent transactions.
* Continuous fraud detection monitors suspicious activity in real-time.
* If a transaction is flagged, the system prompts additional verification or temporarily blocks the transaction for review.