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Today, financial technology start up (peer to peer lending) is growing up widespread, but there are plenty of problems in implementing the business so it runs not smoothly. The platform should responsible to the funder peer in order to receive the return of his investment which is very dependent on the good intentions of the borrower while the loan is not binding with any collateral and the loan has a high of interest. This article will discuss the chance of legal breakthrough for the role of the notary in serving banking business activities in this disruptive digital era 4.0.