Legal analysis: they can't borrow money online if their ID cards are lost and found by others. At present, the peer-to-peer lending platform needs face scanning, which means that it is useless to upload the ID card only by entering the ID number, and the face needs to be differentiated.

Even if the lending platform is willing to lend money, it needs to bind the bank card, and the bank card ID card information should be consistent, and the lending company will not lend money if the information does not meet the requirements. Binding a bank card requires receiving a verification code. This mobile phone number must be the one reserved when handling the bank card at that time, in order to receive the verification code of the bank card. These three conditions are indispensable for successful loan, and the loan platform needs to be audited, so it is impossible for the other party to successfully borrow online with only one ID card.

legal basis: article 667 of the civil code of the people's Republic of China

a loan contract is a contract in which the borrower borrows money from the lender, returns the loan at maturity and pays interest.

article 68 it is forbidden to lend at high interest, and the interest rate of the loan shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract is not clear about the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Borrowing between natural persons is deemed to have no interest.