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RE: P2p Lending needs a Bulletproof Protocol, not a Market.
P2P lending is definitely a popular avenue for crypto I've seen quite a few projects looking to tackle this field and I think its a concept that will take a while to catch on. Centralised lending is cheap money and that's what attracts the current user base, P2P lending looks to take on a higher LSM with a lower risk of default which I think is a healthier approach but not necessarily one that would reach widespread adoption.
I wrote a piece on how stakers can benefit by greater platform adoption. Thus, they actually benefit by keeping interests low.