HI. Tell me plz, I'm sure that the idea there are altcoyns adapted for issuing loans isnt new. Maybe anyone create analogs lendingclub.com on the blockchain too?
HI. Yes. There were a bunch of these projects. One of the most recent is Sikoba (not adv) with P2P IOU concept. But its slightly different from Inspeeer.
I heard of this project too. But too bad sikoba doesn't use credit scoring to allow for crediting unknown persons. From their website: "Participants who know and trust each other in real life grant each other credit lines in the Sikoba system."
The credit rating is the basis for the success of such a project. Without its own user evaluation system, all this will not make sense.