There seem to be plenty, centralized or decentralized
BlockFi, Genesis, CoinList, just to name a few
Some do, but it usually comes at a higher risk of losing any money used to lend to others. I used to lend on btcjam, and while I made some okish choices, overall, I did lose out on some btc (around 2 btc, which at the time wouldve worth about $800 USD). Honestly, that site overall was doom to fail because of the high default rates on there, failed collection, and btc side on failing to identifying people who do sign up (a couple of people who defaulted stolen identities from others). You also had people trust farming, by taking out multiple loans in small amounts, paying them off in a short span, and build up to take out a large loan and pretty much run off. Furthermore, due to the fact that there was never any collateral posted, it becomes extremely high risk, especially if the price of BTC increases. I've seen more p2p crypto lending sites shut down, either due to them not profiting (eg from defaults), being a overall scam (eg ponzi scheme), or just not worth supporting anymore. If I were to ever lend crypto again, I would rather do it on this forum than on another site. Sure, some places do have it where collateral is required but there is no guarantee that the collateral is held in a true multisig wallet, or if the owners of said site is also attempting to take loans with collateral then keeping both the loan and collateral (due to them having access to both the site private key and the borrower private key to sign the transaction, assuming that its a 2-of-3 multisig wallet), etc. Doing it here, we know who to really trust when it comes to having collateral held in a trusted escrow, or hold the collateral directly, etc.
