I love the idea of a P2P lending platform here on HIVE. I was very active in the early days of Prosper with P2P lending before things got stupid with the SEC here in the US.

I have a couple of questions/suggestions:

1. regarding the interest rate on the loan, why not do what Prosper did early on with reverse auction style lending. For instance, the individual applying for the loan specifies amount and interest they are willing to pay. Lenders can fund a portion of the loan (or the entire loan) until it becomes fully funded. Once fully funded, lenders can bid to fund as well, but at a lower interest rate than the rate which has been fully funded. This would allow those looking for loans to allow the free market to provide them with the absolute best rate. This is what made Prosper so incredible initially.

2. Will all loans be secure loans, or will unsecure loans be part of the product offering?

3. What tools will be provided to the lenders to determine creditworthiness/assess risk of the individual?

4. Will a secondary market exist where loans can be sold to other individuals willing to purchase them at a discount to the face (much like Prosper and some larger institutions)?

5. Will the core functionality be handled by smart contracts or will this be a hybrid centralized function?

I'd love to learn more about this, as P2P lending was something I did for a number of years through Prosper. Very excited about this Klye.