I'm not going to gloat and say this is the "killer app" that people have been waiting for.. But It certainly will be an interesting tool set to further our communities development. At the very least it will be a really neat way to help lenders and borrowers link up.. at the best it'll be an incredibly disruptive introduction to the ecosystem and we'll see people moving capital over into HIVE just to take advantage of this new found liquidity vector.