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Study on the application of digital fiat currency in peer-to-peer investment and lending

Currently, peer-to-peer lending platforms are faced with the risk of funds misappropriation and lack effective means to ensure funds security and transaction consistency. The traditional method focuses on the assessment and control of the platform to indirectly guarantee the security of transactions and execution of contracts. This paper proposes a new solution based on digital fiat currency (DFC), which creates a trusted operating environment via a DFC wallet application service system and uses joint signatures to monitor the flow of funds to ensure security. Moreover, the proposed solution implements smart contracts in DFC wallets to achieve transaction consistency in order to ensure that the transaction process is open, transparent, safe, and controllable. In this way, troubled Internet finance platforms can transform themselves into DFC value-added service providers, playing a more transparent and regulated role in promoting inclusive finance in the digital currency ecosystem.