peer-to-peer
adjective specialized uk/ˌpɪətəˈpɪə/ us/ˌpɪrtəˈpɪr/ (abbreviation P2P)
computing （计算机之间分享资料用的网络技术）点对点
involving sharing files or other resources between computers connected through a network, rather than using a central server (= a central computer that stores files)
peer-to-peer file sharing 点对点文件共享
finance （网络借贷）点对点的
Peer-to-peer lending involves the use of specialized websites that bring together suitable individual lenders and borrowers
People considering lending their money through peer-to-peer sites should understand the risks. 考虑通过点对点网站借钱的人应该了解其中存在的风险。