Ask HN: What are some creative decentralized lending ideas?

Inspired by thread here: https://twitter.com/mmay3r/status/1093289126202228736?s=21 What are interesting ways to bring lending to the distributed world? Keep in mind you might want anonymity, while also having a clear, accurate picture of a debtors ability to pay back the loan. What are the most creative and/or viable possibilities you can think of?