[melvinmt]

Banks are actually all about "peer-to-peer" loans, where do you think their massive funds come from? You deposit money, the bank lends it out. In reality it's a bit more complicated than that but that's the essence of banking.

[rjtavares]

But there's no connection between the lenders and the depositors. So it's more server based than peer-to-peer.

[melvinmt]

It's a bit similar with Lending Club. They give out the loans and you buy the notes for those loans from LC.