Marketing is needed, but thats not all. The token exchange rate should be relatively stable. Otherwise, I do not know how to use the services of such a lender.
Of course, everyone should benefit, both the lender and the borrower.
Yes, only on mutually beneficial conditions can you build a business on the basis of the blockchain. The good thing is that the blockchain will provide honesty and transparency. And this is the most important thing.
Of course, now we need to offer the most favorable conditions, so that users are satisfied and regularly use the service in further!