Author of the article is confusing "borrower" facing data with "lender" facing data. Lender interest rate is what lender gets and not what borrower pays. 5% lender interest rate is correct because that is what lender gets. Lender doesn't get service fees and origination fee. It will be very confusing for lender if Zidisha published 25% borrower interest rate as lender may assume that they are getting 25% interest rate which will be incorrect. If Zidisha was telling borrowers that they pay 5% interest rate or telling lenders that they receive 25% interest rate then that will be misleading. Author needs to spend some time understanding the terminology and nuances of lending/debt market from both borrower and lender view. This is the most confusing aspect most people new to lending side face as they are only used to seeing borrower side. Lender side view is very different from borrower side view.