{"id":4591,"date":"2020-01-31T11:21:57","date_gmt":"2020-01-31T11:21:57","guid":{"rendered":"https:\/\/www.antiersolutions.com\/?p=4591"},"modified":"2020-01-31T11:21:57","modified_gmt":"2020-01-31T11:21:57","slug":"how-is-blockchain-redefining-p2p-lending","status":"publish","type":"post","link":"https:\/\/www.antiersolutions.com\/blogs\/how-is-blockchain-redefining-p2p-lending\/","title":{"rendered":"How is Blockchain Redefining P2P Lending","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\n

Many individuals face the problem of \u201copportunity cost\u201d\nfor holding money, which is the trade-off between money held in the hands today\nand investing this money depending on the market opportunities. If you are\nholding fiat currency or cryptocurrency in your hands then you are facing a\ncertain amount of implied loss. To combat this situation you should invest your\nmoney in some profitable opportunities. Some invest in stocks, real estate or\nsome indulge in the practice of lending.<\/p>\n\n\n\n

In this article, we will discover the various aspects of borrowing and lending and how the integration of blockchain is redefining the overall ecosystem.<\/p>\n\n\n\n

[sc_fs_multi_faq headline-0=”h3″ question-0=”What is the major problem solved by a P2P crypto lending platform?” answer-0=”It majorly solves the problem of \u201copportunity cost\u201d of holding money, which signifies that apart from liquidating or keeping your cryptocurrencies idle, you invest in some profit generating model, such as P2P crypto lending platforms.” headline-1=”h2″ question-1=”What benefits does blockchain provide in P2P lending platforms?” answer-1=”Blockchain provides full transparency in the transactions. The decentralized mechanism of blockchain minimizes the cost of transactions, processing them in a cheaper and faster manner.” headline-2=”h2″ question-2=”Is a P2P crypto lending platform the future of the lending industry?” answer-2=”P2P crypto lending platforms enable hassle-free transactions without the intermediation of any third party. So we can definitely say that it is the future of the lending market.” count=”3″ html=”false”] <\/p>\n\n\n\n

Have you ever found yourself in a situation where you have to go through a long borrowing process even for a smaller amount of loan? Do you wish to have a hassle-free process without the intermediation of financial institutions? If yes, then a P2P lending platform comes with the right framework and provides a platform for borrowers and lenders to intersect with each other. This is a cost-efficient method as there is no physical infrastructure in between. Though traditional P2P lending platforms are there for a while, a P2P crypto lending platform<\/a><\/strong> is also creating its vigor in the marketplace.<\/p>\n\n\n\n

What is\npeer-to-peer lending?<\/strong><\/p>\n\n\n\n

Peer-to-peer lending involves connecting borrowers and\nlenders on a common marketplace to fulfill their borrowing and lending needs. A\npeer-to-peer lending process is executed without the intermediation of any\nthird party and thus it functions at low administrative fees. In this, the\nborrower puts his borrow order which is then matched against the best lend\norder by the matching engine. Once the orders are matched, borrowers get the\ndesired loan amount and lenders earn set interest on the amount that they lent.\n Generally, repayment of loans happens in\n6 to 12 months and the average interest rate is maintained between 2% and 4%. <\/p>\n\n\n\n

How does a P2P\ncrypto lending platform work?<\/strong><\/p>\n\n\n\n

In a P2P crypto lending platform, a borrower puts a certain amount of cryptocurrency as collateral. His collateral is locked in the platform until the total loan amount is repaid by the borrower to the lender. On the other hand, the lender lends the money corresponding to the collateral amount deposited by the borrower. <\/p>\n\n\n\n

The emergence\nof blockchain technology in peer-to-peer lending platforms<\/strong><\/p>\n\n\n\n

Blockchain technology has revolutionized the lending market and has reached an unimaginable position in a short time. The global blockchain technology is estimated to reach $20 million by the year 2024. With a blockchain-driven P2P crypto lending platform,<\/strong> the global P2P lending market is sooner prospected to reach $1 trillion. <\/p>\n\n\n\n

But, where are we heading now? Have we reached a\nmarketplace to open up a new segment of blockchain-based P2P lending platforms?\nLet us further comprehend our current financial market situation.<\/p>\n\n\n\n

Current\nmarketplace situation<\/strong><\/p>\n\n\n\n

The current finance market is full of flaws and practical\nissues. It is very time-consuming and expensive to diversify your global\nlending domain. The system of capitalism is quite prevalent and banks are\naccumulating a pool of dead debt in their portfolio. Subprime debts are getting\nmixed with prime debts which are making the overall system go worse. Banks are\nmostly unaware of what they are buying and selling and end up creating huge\nprofit opportunities for the originators and loss for the society. <\/p>\n\n\n\n

With blockchain, the overall system will be redefined and a greater sense of transparency will be infused into the system. As a P2P crypto lending platform works on a decentralized mechanism, there would be no intermediary and transactions would be processed at much greater speed. Thus with this framework, delays would be minimized and transactions would be processed in a cost-efficient manner.<\/p>\n\n\n\n

Where are\nwe heading<\/strong><\/p>\n\n\n\n

With blockchain technology coming to P2P lending, the\nmarket is becoming much more organized. Crypto based P2P lending is gaining\nmajor traction as they allow transactions at low cost and offer greater\nopportunities to diversify the investment portfolio across global regions. It\nalso opens up a door for all those who remain unbanked by the traditional\nlending method. <\/p>\n\n\n\n

Final\nThoughts<\/strong><\/p>\n\n\n\n

Blockchain technology is efficiently moving from the\ngrowth stage to the maturity stage and is disrupting the overall ecosystem. <\/p>\n\n\n\n

If you are considering leveraging on the potential of the P2P crypto lending platform, Antier Solutions can help. We offer business-oriented solutions to build a custom P2P lending platform based on your business needs, and at the same time, we offer a white label P2P lending platform<\/a> <\/strong>underpinned by market-leading features. Schedule a free demo of our white label P2P lending platform or get in touch with our subject matter experts to share your needs for a custom lending platform. <\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Many individuals face the problem of \u201copportunity cost\u201d for holding money, which [\u2026]<\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":1,"featured_media":4592,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[31],"tags":[1608,1609],"class_list":["post-4591","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-p2p-lending","tag-p2p-crypto-lending-platform","tag-white-label-p2p-lending-platform"],"yoast_head":"\nHow is Blockchain Redefining P2P Lending - Antier Solutions<\/title>\n<meta name=\"description\" content=\"The blockchain has been redefining P2P lending as it eliminates the need for intermediaries, making the whole process transparent and accessible for all.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.antiersolutions.com\/blogs\/how-is-blockchain-redefining-p2p-lending\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How is Blockchain Redefining P2P Lending - 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