Apologies if someone else brought this up already...
Based on the numerous posts for point loans, I think it'd be cool if SBR implemented something to formalize transactions between members:
1. Create a "credit rating"; it can be function of a member's past exchanges. I think it'd be nice to just take a quick look at a user to determine his/her likelihood of paying back the points (rather than sifting through the history).
2. Create an "exchange" (doesn't have to be super-fancy) where members can trade sbr points; the buy side and sell side would be the lenders and borrowers respectively. If the credit ratings are implemented like grades, you'd just need a separate market per grade, e.g. A+, A, A-, B+... borrowers would have their own separate market.
Of course, I'd leave it up to you guys to figure out how to monetize these features .
Based on the numerous posts for point loans, I think it'd be cool if SBR implemented something to formalize transactions between members:
1. Create a "credit rating"; it can be function of a member's past exchanges. I think it'd be nice to just take a quick look at a user to determine his/her likelihood of paying back the points (rather than sifting through the history).
2. Create an "exchange" (doesn't have to be super-fancy) where members can trade sbr points; the buy side and sell side would be the lenders and borrowers respectively. If the credit ratings are implemented like grades, you'd just need a separate market per grade, e.g. A+, A, A-, B+... borrowers would have their own separate market.
Of course, I'd leave it up to you guys to figure out how to monetize these features .