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Its inventors claim it's a smarter, fairer and better way of lending and borrowing money. Whether this is true or not, I can't tell you. But I can tell you that its friendly and appealing design definitely strengthens my trust in the business and the idea behind it. It's not the only business of its kind, but it sure is the best designed. In fact, its design beats all finance-related websites I can think of as I'm writing this.