The concept is to help potencial lenders to give loans, both op and knigh are taking a 0% risk and both collecting a fee for their coins, thats for me a great support to the community, but did you imagined this forum has 200 lenders active and fighting for the comission to be able to roi as well to cover the montly fee?
Im not agaisnt these, sure it may help but i had see zazar thread and he has good costumers and high trusted accounts asking for loans, i believe he is making a good income, and he has some limited funds as all of us, but this offer would maybe force him to raise the fee he takes. Soo in the end who will be really winning would be the person behind the funds. This market has potencial to grow but the risks associated are big, maybe knigh you should charge lets say 5% if the partner didnt make any loan during that month.