Sounds like what Zopa is doing with peer to peer lending. As long as there is a central clearing organization that guarantees the payoff and assuming this p2p

Sounds like what Zopa is doing with peer to peer lending. As long as there is a central clearing organization that guarantees the payoff and assuming this p2p model results in better rates, I don't see why it wouldn't take off. The execution would be a major hurdle though.