[Stephen_T]

Agreed, but there also seems to be quite a few ideas that have already been expressed. Take this one for microfinance:

"let's build a microfinance platform that provides to poor people a micro investement to help them to make their own business. it help to creat a partenership between the financier (the investor) and the other partner (the requester or working partner) who manages the financier’s investment.

The investors provide the money to the requester against an agreed portion of the profit that the second partner will make by investing the money. Both parties agree in advance to a profit sharing relationship and the timeline of the project. No guaranteed return, any losses would be borne by investors.

Profits generated by the enterprise are divided between the hub and the requester in accordance with the profit sharing ratios set out in the Agreement"