NaslovnicaKripto za početnikeWhat is peer to peer lending

What is peer to peer lending

What is peer to peer lending

P2P crypto lending is a procedure that allows you to utilize a platform to lend cryptocurrency, stablecoins, or fiat cash directly to a borrower interested in obtaining a crypto-backed loan. P2P crypto lending reduces the platform's influence in the loan and borrowing process. Peer-to-peer (P2P) crypto lending enables lenders to invest in loans with predetermined interest rates and periods. However, the absence of established P2P crypto lending platforms that provide customer service makes it difficult to identify a reliable supplier.

Rather than funding the loan itself, P2P platforms can:

-        Set the loan's interest rate and conditions.

-        Facilitate money transfers between the lender and the borrower.

-        If the value of the loan falls dramatically, ask the borrower to pay down or contribute more security to the loan.

-        Work with a custodian to keep the crypto assets safe while the loan is being repaid.

-        Provide insurance to safeguard the collateral during repayment.

Investors can see the distinction between P2P lending and other typical financing choices such as savings accounts or loans. Lenders determine the rates, conditions, and amount they wish to fund on a P2P platform. This gives them more control over their investment than putting it in an account with a fixed APY. However, lenders do not get the whole amount of interest paid by borrowers. P2P crypto lending platforms generate money by taking a percentage of the interest paid by the borrower.

There is different way of how it works for borrowers and how for lenders.

Borrowers:

-        Create an account on a cryptocurrency lending site.

-        Verify your customer's identity (KYC).

-        Deposit crypto assets into the platform wallet – often at least double the amount you wish to borrow.

-        To seek a loan, follow the platform's guidelines.

-        Read and agree to the loan terms.

-        Repay the loan plus interest and fees in accordance with the conditions of your lending agreement.

Lenders:

-        Make an account on the P2P cryptocurrency lending network.

-        Complete KYC verification — often by submitting documents that provide proof of ID and address.

-        Visit the platform's dashboard for available loans and choose one to finance.

-        Deposit US dollars, stablecoins, or crypto assets into the wallet associated with the account.

-        To finance a loan, follow the platform's instructions.

-        As the borrower repays the loan, you will get interest and returns on your investment.

The advantages of using a P2P crypto lending network mostly benefit the lender. Borrowers should think about things like interest rates, collateral requirements, and the steps the platform takes to secure your crypto holdings.

Provjerite ostale razine

Koristimo kolačiće za pohranu, pristup i obradu osobnih podataka kako bismo vam pružili najbolje online iskustvo. Klikom na Prihvati kolačiće pristajete na pohranu svih kolačića i osiguravate najbolje moguće djelovanje internetske stranice. Možete promijeniti postavke kolačića ili povući privolu klikom na Postavke kolačića. Da biste saznali više o kolačićima i svrhama, pročitajte Politika kolačića and Politika privatnosti

Postavke kolačića


Kontrola kolačića


Što su kolačići?

Kolačići su male tekstualne datoteke koje omogućuju nama i našoj usluzi jedinstvenu identifikaciju vašeg preglednika ili uređaja. Kolačići obično rade tako da vašem uređaju dodijele jedinstveni broj i na vašem ih pregledniku pohranjuju internetske stranice koje posjećujete, kao i treći pružatelji usluga za te internetske stranice. Pod pojmom kolačići treba uzeti u obzir druge tehnologije kao što su SDK-ovi, pikseli i lokalno pohranjivanje.


Ako je omogućeno

Možemo vas prepoznati kao klijenta što omogućava prilagođene usluge, sadržaj i oglašavanje, učinkovitost usluga i prepoznavanje uređaja za veću sigurnost
Možemo poboljšati vaše iskustvo na temelju vaše prethodne sesije
Možemo pratiti vaše preferencije i personalizirati usluge
Možemo poboljšati performanse internetske stranice.


Ako je onemogućeno

Nećemo moći zapamtiti vaše prethodne sesije, što će nam onemogućiti da internetsku stranicu prilagodimo vašim željama
Neke značajke možda neće biti dostupne i korisničko iskustvo bez kolačića će biti lošije


Strogo nužno znači da se osnovne funkcije internetske stranice neće aktivirati bez njihove upotrebe. Budući da su ovi kolačići ključni za pravilan rad i sigurnost usluga internetskog mjesta, ne možete odustati od korištenja ovih tehnologija. I dalje ih možete blokirati u svom pregledniku, ali to može uzrokovati greške u djelovanju osnovnih funkcija internetske stranice.

  • Postavljanje zaštite privatnosti
  • Sigurna prijava
  • Sigurna veza tijekom korištenja usluga
  • Ispunjavanje obrazaca

Analitika i tehnologije praćenja performansi za analizu načina na koji koristite internetsku stranicu.

  • Najgledanije stranice
  • Interakcija sa sadržajem
  • Analiza grešaka
  • Ispitivanje i mjerenje različitih učinkovitosti dizajna

Internetska stranica može koristiti tehnologije trećih strana za oglašavanje i marketing.

  • Promoviranje naših usluga na drugim platformama i internetskim stranicama
  • Mjerenje učinkovitosti naših kampanja