As you highlight financio as a lending platform, what will be the conditions for borrowing-lending and who will decide the terms and conditions?
Good question, If you know about the Decentralized finance you also know that there will no mediators between them they can negotiate about the terms and conditions of the loan arrangement directly.
To add this I just wanted to that if borrowers failed to pay the loan on time then what? Because if it takes more time then lenders have the loses , he can earn extra profit during that time which isn’t getting.