For me, this is much risky for sure especially the last few weeks/months lot of bitcointalk users who able to borrow some Bitcoin or other cryptocurrency were defaulted by the borrower. Especially even how trusted/reputable bitcointalk member you are, there's still a bad side.
Speaking of Blockfi with 8.5% interest per annum, I'd rather go use this than peer-to-peer lending.
But using Blockfi seems lot of requirements needed? like KYC?
Or the difficult part here is the minimum you will lend or deposit to them, it seems like a huge amount.