Is it legal for real?
YouGive platform in its work is based on international regulations and complies with them completely. When you use this platform at the local level, there are provisions of country where the transaction takes place. That is why YouGive activities are fully legal.
and what about availability? i do not actually understand
Every transition is supported by set of documents, insurance at will and wirk with a borrower directly. Both sides can ask for additional measures of ensure as agreed. Every deal establishes in Smart contract.