US Zopa launched a preview this morning, and this screen shot shows how the depositor (not a lender) can reduce their interest, and that reduction goes to support the payments of a friend borrower. I wonder how much this model will provoke interest.
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It’s indeed a point of differentiation. Feels more like Facebook than Prosper. I like it.
@Trey … yes its different, but I am wondering about the appeal to investors. I see friends and fmaily buying CD’s but hard to follow the appeal beyond that.
I am not very excited about this model from a lending point of view. However, I noticed that to borrowers it can very enticing — some borrowers may actually receive a negative interest rate on their loans. Of course, the model will only be possible if enough lenders are willing to park some money using Zopa and pass along some help to borrowers.