I've seen few p2p lending platforms in the past and all ended up with loses.
Ordinary people are not good at risk assessments of random people over internet. And the niche is full of scammers.
Avoid.
lending is done through a smart contract, thats what is great, trustless & decentralized crypto to crypto lending. Thats why its so great and why LEND can make it in contrast with p2p scam platforms of the past. There's simply nothing similar between those.