A DeFi protocol where each user's pool certain amount & the selected user X get's the total amount of money(pooled by the other user). For example; X need $500 right now, Suppose X has only $100. So there are # of people with this same situation. But this is a situation that can be solved by X people that have $100 each on their wallet, So each user pooled into the campaign and then yay!.

I know this sound’s like a five year old noob trying to explain something please bear with me.. The rest is about to start here and i know there’s already a question in your mind.

• What guarantees users that $400 will be paid back in time to each user?

  - Maybe a collateral like system works there(Where user(X) has to hold stable coins/native token of the project of some percentage.

Some basics Incentives to be provided to the party that pool from liquidity.

However I am talking about a traditional peer-to peer system of lending which is quite often common in my country where each user contribute a certain amount of money in certain period of time,and upon maturity each user get paid the amount they have pooled in.

I do believe this is a very good idea and innovative way to prevent frauds and third party on this peer-to-peer lending system.

Certain limitation are always there on the traditional methods:-

1. When user are unable to repay the amount

2. Runaway after benefiting

   But this can be solved with collateral hence optimised the problem.

I have a brilliant ideas that doesn’t work in 10,000 ways yet i learned alot during the process even if this was never a concrete solution. As a tech enthusiast and firm believer of blockchain technology, I have seen many possible ways that seems to work out.

This is just for the eyes i do have alot of in-depth ideas to share on this.

I would definitely love talking about this in details or in person.