Build a peer-to-peer lending platform that uses Circles' trust graph as a credit scoring mechanism. Build systems where loan terms, interest rates, and collateral requirements are determined by trust relationships rather than traditional credit scores, enabling under-collateralized lending between trusted community members. Loans could be taken out in CRC or in other collateral, such as stables. Users’ personal CRC might (or might not) figure in the scheme as interest token, with the limited rate of personal CRC creation limiting the rate at which loans can be taken out.