In inclusive finance and Hui Jin, it is legal for merchants to use mobile phones for shopping and futures distribution. The main business of inclusive finance and Hui Jin Finance is financial product intermediary service, that is, financial intermediary; Inclusive finance and Hui Jin Finance are certified by the State Administration for Industry and Commerce, and are also formal lending companies registered by relevant state departments. It is in line with the legal procedures of the state that mobile phones in financial business in inclusive finance and Hui Jin are engaged in shopping and futures distribution through merchants. They have the start-up certificate issued by the government and are protected by the government. Therefore, it is legal for inclusive finance and Hui Jin finance to engage in shopping and futures distribution through mobile phones.