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Most of these are valid points, but they are some interesting attempts further away from the hype: Uncollaterized loans: https://docs.truefi.io/faq/ https://d

• gjulianm 5y ago
  > https://docs.truefi.io/faq/ https://docs.truefi.io/faq/ > https://medium.com/goldfinch-fi/introducing-goldfinch-crypto https://medium.com/goldfinch-fi/introducing-goldfinch-crypto... Both of these sound like they made a regular bank, or a p2p lending platform. You could make exactly the same thing they're proposing without crypto. The goldfinch one is weird, as it completely glosses over the part of borrower defaults. > Fast, feeles, higher tx troughput crypto, NANO: This looks interesting, but the problem is the same as with Ethereum: too many coins, each with different technologies and protocols. Meanwhile, BTC still is the best-known one and the one with the highest market cap. The energy usage problem is not going away anytime soon.