> whatever means they have to assess a borrower's identity [...] uploaded identification documents Whee, racial profiling! > deterred from defaulting on their

> whatever means they have to assess a borrower's identity [...] uploaded identification documents Whee, racial profiling! > deterred from defaulting on their loans insofar as their future creditworthiness on the platform will be marred Oooh, scary :-) You're not even threatening to half-assedly try to involve authorities if someone just runs with the money? I think this is a very interesting engineering feat, but it does seem to suffer from the basic problem that there is no real connection between the real world and this fantasy world called "the blockchain". Also, a small comment on the README: > submitting to the contract any subset of the investors' bids whose total cash amount is equal to the desired principal If you really mean "equal" here, you are looking at the NP-complete subset sum problem in general. Also, there might just not be solutions at all. Maybe you don't actually mean "equal", it should become more practical if you allowed some deviations from the borrower's initially specified amount.