# What are your thoughts on P2P Lending as a segment? **URL:** \ **Category:** Fintechs\ **Tags:** news, qna\ **Created:** [2 September 2021 07:04 UTC](https://community.jupiter.money/t/what-are-your-thoughts-on-p2p-lending-as-a-segment/12077 "2021-09-02T07:04:51Z")\ **Posts on this page:** 5\ **Page:** 1
**Author:** ![Shailesh\_Khurana](https://sea2.discourse-cdn.com/flex020/user_avatar/community.jupiter.money/shailesh_khurana/32/2096_2.png) [@Shailesh\_Khurana](https://community.jupiter.money/u/Shailesh_Khurana)\ **Post date:** [2 September 2021 07:04 UTC](https://community.jupiter.money/t/what-are-your-thoughts-on-p2p-lending-as-a-segment/12077/1 "2021-09-02T07:04:52Z")
P2P Lending has been trending due to the likes of CRED and BharatPe’s 12% Club powered by LenDenClub. Although it has been around for a while, the buzz for the segment seems to be revived. I have personally started investing in LenDenClub and have been getting good returns. What are your thoughts on this investment alternative? ---
**Author:** ![Helloshantanu](https://sea2.discourse-cdn.com/flex020/user_avatar/community.jupiter.money/helloshantanu/32/4793_2.png) [@Helloshantanu](https://community.jupiter.money/u/Helloshantanu)\ **Post date:** [21 January 2022 07:40 UTC](https://community.jupiter.money/t/what-are-your-thoughts-on-p2p-lending-as-a-segment/12077/2 "2022-01-21T07:40:19Z")
In my idea P2P would not work as pure P2P stack and rather it should be Peer to aggregators to Peer Stack. The essential role of aggregator here. 1. Build a user stack with credit profile (not credit score)as Aggregators now have access to most financial transactions so they can leverage technology to prepare a personalised interest rate and credit risk (A fixed 12% interest thing just doesn’t seem to work) 2. A middle man(aggregator) who can take a shared risk for both lenders and borrowers which will essentially build trust in the system. 3. Most users should not have a problem earning a 10% interest or 8% interest if the risk is shared by some common aggregator. 4. To build a massive P2P stack we will need to invest in basket type credit lines rather than giving loans to direct users eg: home loans for people with avg salary of 25LPA, bike loans/car loans for users with credit score 800+, businesses with annual revenue 1cr etc. 5. Building baskets will minimize risk and default rate. ---
**Author:** ![Dhruv](https://sea2.discourse-cdn.com/flex020/user_avatar/community.jupiter.money/dhruv/32/4358_2.png) [@Dhruv](https://community.jupiter.money/u/Dhruv)\ **Post date:** [21 January 2022 16:57 UTC](https://community.jupiter.money/t/what-are-your-thoughts-on-p2p-lending-as-a-segment/12077/3 "2022-01-21T16:57:52Z")
> [@Helloshantanu](#): > > Most users should not have a problem earning a 10% interest or 8% interest if the risk is shared by some common aggregator. This is crucial for any p2p platform to gain trust. ---
**Author:** ![Jiten](https://sea2.discourse-cdn.com/flex020/user_avatar/community.jupiter.money/jiten/32/72_2.png) [@Jiten](https://community.jupiter.money/u/Jiten)\ **Post date:** [16 June 2023 00:37 UTC](https://community.jupiter.money/t/what-are-your-thoughts-on-p2p-lending-as-a-segment/12077/5 "2023-06-16T00:37:51Z")
We haven’t decided yet on this product. We are still figuring out risk of the product. ---
**Author:** ![Jiten](https://sea2.discourse-cdn.com/flex020/user_avatar/community.jupiter.money/jiten/32/72_2.png) [@Jiten](https://community.jupiter.money/u/Jiten)\ **Post date:** [16 June 2023 03:56 UTC](https://community.jupiter.money/t/what-are-your-thoughts-on-p2p-lending-as-a-segment/12077/8 "2023-06-16T03:56:39Z")
We borrow from them for our lending product