Small business owners often get exploited by moneylenders when borrowing money. High and unfair rates of interest, middlemen, and a process where the entire power lies in the hands of the lender leaves the borrowers vulnerable to exploitation. The entire process is very slow, and requires a lot of manual work. We propose a solution to this problem through our DApp Decentralised Financial Peer to Peer Lender based on blockchain technology built on ethereum. It offers transparency and connects the borrower directly to the lender; with no middlemen involved. The process is automated and time efficient. The lender gets to specify the desired interest rate beforehand and the borrower gets to choose the interest rate he wants from the ones offered by the different lenders. If the borrower does not repay the loan before the specified due date, the lenders have the mortgage submitted by the borrower which can then be auctioned off.

On crowdfunding platforms, the real worth people are putting into a project is not always obvious. Some projects may have less number of donations but each being a huge sum of money, other projects may have many donations but each being only a little sums of money. This leads to unfairness to the projects that should actually be funded. Eth QF is a decentralised platform that enables crowdfunding for projects on Ethereum ecosystem. Eth QF provides projects funding through the concept of Quadratic Funding. What is Quadratic Funding? Quadratic Funding converts 1$ to 20$!! Quadratic investment is a concept that extends ideas from quadratic vote casting to a mechanism for investing. The matching pool is at the heart of Quadratic funding. A matching pool is a money pool that is provided by matching companions. Matching partners are businesses, individuals, or even protocols that assist with public goods tasks. The funds collected in the matching pool are used to multiply individual contributions to exceptional initiatives. You can learn more about Quadratic Funding here. Why Quadratic Funding? Community driven : In Quadratic Funding, the algorithm used after each CLR Matching Round, checks the number of contributors who donated to a certain project, in layman terms, the higher the number of contributors higher will be the amount supported to a project. Need of the hour : Crowd funding schemes for public goods have a fundamental weakness- the match amount for a project is proportional to the sum of contributions it receives during a stipulated period of time, whereas if community has more demand for some project than the other, proportion should not be equal. CLR Matching solves this problem.