# Key features

1. **P2P Loans** and **Bid** mechanic.
2. **Batch** of NFT and ERC20 assets.
3. **Borrower Option** to either **Hold-Till-Repayment-Date**; or allow **Claim** early if underwater.
   1. Hold-till-repayment-date --- serves as an option and deserves increased interest rates.
   2. Claim --- similar to liquidations in normal borrow-lend protocols.
   3. Implied swap if the borrower has no intention to repay.
4. **Social interactions** via counter offers and discussions about them, just like on a real live marketplace.

### Next steps

* Editable user profiles (twitter, user profile image, background)
* User score system
* Statistics regarding users (end of September)


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