hey @blocktrades just wanted to point out, https://hive.dlease.io/ exists and has been functioning since steem days, its not well known, but instead of causing a powerdown like kyles plan, which loses the borrower the 3% apr on hive power, dlease collects the rental fee up front, and when the contract is established, the json sends the agreed upon delegation to the borrower, when the contract is up, the lender must go and recall the lending, just like the new leofi lending. So through the delegation system, the borrower does not need to put up collateral or power down, the lender is guaranteed payment as its collected and held in escrow till distributed by dlease.

Though, Kyles idea of the power down of borrower, would be more along the lines of supporting asset backed lending.

One idea that came to me today and is why I stumbled upon this post, was the fact that hive has no microlending platform, what if a hive proposal funded an account, that powers up hive, lends to people directly on dlease, then either chops that loan up into bite size pieces for individuals from $1- $1000. You can do it by individual loan contracts, probably super time consuming in long run, or have it like a pool, consumers buy token issued by new fund, this token pays out say half of loan income to holders, half gets powered up to grow lending capability.

This authority, funded by a proposal, would also collect HBD, throw them into savings always, the interest collected will then be used to build a fund that will act as direct seed capital for business startups and developers who seek to build on hive, and eventually real world investments like real estate. Problem is, im not a coder, you seem to be the best of the best on hive, can we collaborate in the future? This is one of many ideas id love to bring to hive.

EDIT---After reading comments on the proposal, I now see there is a distinct difference in that dlease lends staked hive power, and this service lends liquid hive. so please forget that idiocy, but microlending is one small idea I want to bring to hive, I have a couple truly revolutionary ideas, but I need all the best on hive, please let me know if we can discuss ideas in discord, or if you prefer we can exchange comments.