Scott Loftesness points to Zopa. Outstanding. It's like my Market-based Credit Card idea minus the card. If they turned themselves into a credit card issuer with individualized rates, it would be just about same although their marketing speak is from the bank perspective (Richard Duvall's background). While I had the same idea 7 years ago, I didn't have the balls to turn it into reality. Zopa folks did. Wow. One of the balls is named Benchmark Capital. LOL.