Bank lending is the whole crux behind the fiat currency what we use in our daily routines too is nothing but a loan taken from the federal bank. While p2p is actually giving out your own real money to someone else in return of a collateral. Now if we talk about safety then that is too low in case of p2p lending as he has a choice not to pay it and nothing can be done against him. Remember if there is some intermediary exchange between cryptocurrency lending that locks withdrawal then it is actually not a P2P lending.