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• Reza@rezahsnzthe basic tenet of a tanda like saving scheme is 'need & trust', blockchain is trustless on the contrary. anyone building some tanda like service here is playing with fire! in real life tanda there is no such thing as initial collateral to make sure no scam-exits happen. if the poor one applying for a loan had the funds(1.5-2x collateral similar to defi lending) to put there as a security deposit, she would have not asked for a loan in the first place. imo this is an unsolved problem in computer science but i am thrilled to see if anyone could figure out some actual working tanda scheme. GL to all dragons-hunters