Thanks for the kind words! In the short-term, as you correctly alluded to, we're focused on loans that are fully-collateralized on-chain. In the future, howev

Thanks for the kind words! In the short-term, as you correctly alluded to, we're focused on loans that are fully-collateralized on-chain. In the future, however, we hope to integrate trusted third-party underwriters into the network in order to open the door for unsecured loans. There are many technical / game theoretic challenges to be solved on this front, though, so we've included unsecured loans as an "experimental" feature set in this initial release.