This will solve two problems at once:
financial and security. The financial side is that it becomes possible to significantly reduce costs. First, it is the costs associated with the intermediary. Secondly, it is costs associated with ensuring the security and reliability of cooperation.
The security problem is that participants do not have to rely on mutual trust. In Lendroid, this is provided by a smart contract that actually acts as the same intermediary, but completely excludes the possibility of fraud from one or the other. It is with his help that the obligations on the loan are fulfilled.