I would like to add that the more creed platforms and projects, the greater the competition between them, which increases the quality of the services provided.
And a lot of competition reduces the interest rate.
Yes, competition usually lowers the company's revenues. Credit platforms, it is generally very difficult, it will be difficult for ordinary mortals to understand and calculate their benefits. One thing I can say for sure, if these projects continue to open, it is profitable to engage in lending.