"Our credit risk control mechanisms have improved dramatically since that time, such that I think it's reasonable to expect that the value of lending funds can

"Our credit risk control mechanisms have improved dramatically since that time, such that I think it's reasonable to expect that the value of lending funds can be maintained over time without erosion for the loans that are being issued today." To achieve that at the max interest rate you allow (~10% APR), you would need a 2.4% loan loss rate. That's an order of magnitude below where Zidisha is now. That would be an incredible achievement and I would gladly cover it as a huge story! Is Zidisha on track to deliver a 2.4% loan loss rate?