Collaterals for P2P loans would unfortunately make them as good (or bad) as real world loans. Maybe the interest is lesser but the real world dynamics of needing to trust plays a role. So trustless goes for a toss.

On the other hand, if we think of using blockchain tokens or coins as collateral then we end up limiting the participation. Since the players who already have tokens or coins will find it easier to get loans.

So a mid way has to be found.

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