Both of these sound like they made a regular bank, or a p2p lending platform. You could make exactly the same thing they're proposing without crypto. The goldfinch one is weird, as it completely glosses over the part of borrower defaults.
> Fast, feeles, higher tx troughput crypto, NANO:
This looks interesting, but the problem is the same as with Ethereum: too many coins, each with different technologies and protocols. Meanwhile, BTC still is the best-known one and the one with the highest market cap. The energy usage problem is not going away anytime soon.
Uncollaterized loans:
https://docs.truefi.io/faq/
https://medium.com/goldfinch-fi/introducing-goldfinch-crypto...
Fast, feeles, higher tx troughput crypto, NANO:
https://www.reddit.com/r/nanocurrency/comments/lxbhh5/nano_c...