I'm more interested in another question. How will the credit rating of the user be determined?
I believe that the system will have its own credit rating. Or, if the developers have a close relationship with the banking system, they can take advantage of already existing analyzes
I believe that at this stage it would be more logical to cooperate with banks, but in parallel to develop its credit rating system. It is important to understand that the target audience selected by the developers of countries is less creditworthy, that is, the threshold for issuing a loan should be lower