The odds are really stacked against you to make this work :
~ The interest rate is very low. {1.2% a year?}
~ You have no credentials or track record on this forum. {Newbie account}
~ You ask for $0.20 to beta test a website? { This sounds dodgy and cheap }
~ The website looks very unprofessional
~ Who will do this --> "To start, anyone looking for a loan through us will have to provide a series of information about them. This includes: SSN, Picture of them holding ID, Proof of Address, Proof of Income, Credit Score, Credit/Debit Card Number (in some cases), and a personal credit score with us."
Try again with a proper business model with identify .... This anonymous thing is not going to fly with many people on this forum.
{Will you deposit money into any
other website, if you do not know anything about them?}