I've seen projects that offered to solve the lending problem, but not one of them got to release, most were just a Scam. In addition, it should be a centralized project, like Ripple. So I don't see any way to solve the problem you're talking about.
Hello
As you can see, there already is a "release", and there is no "scam" here as I clearly stated that interested parties are free to sign up and test the platform using dummy funds. If you'd like to see how the problem was indeed solved, feel free to sign up... it is free after all.