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This looks really neat! - I was talking to a friend about something similar to this a few weeks ago.

It looks like you'd need to trust the counterparty right now unless they put up substantial collateral. Do you intend to add something similar to a credit rating / history to make it possible for random strangers to lend to each other? Or do you have other ways to handle this?

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Thanks for the kind words!

In the short-term, as you correctly alluded to, we're focused on loans that are fully-collateralized on-chain. In the future, however, we hope to integrate trusted third-party underwriters into the network in order to open the door for unsecured loans. There are many technical / game theoretic challenges to be solved on this front, though, so we've included unsecured loans as an "experimental" feature set in this initial release.

Is a public marketplace in the works? Right now you have to paste a json string from the counterparty.

Yup -- there are several. The most mature relayer project on Dharma we're aware of is Bloqboard (bloqboard.com), though I believe they are not ready to launch on mainnet quite yet.

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