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How does a bank fund a loan?

A bank still funds and issues the loan. For example, WebBank, a Salt Lake City-based online bank, often funds loans from peer-to-peer lenders. The difference with peer-to-peer lending is that individual investors buy a portion of that debt in the form of a note.

Do you need a millionaire to invest in peer-to-peer loans?

You don’t necessarily have to be a millionaire or an heiress to start investing in peer-to-peer loans. In some cases, you’ll need to have an annual gross salary of at least $70,000 or a net worth of at least $250,000. But the rules differ depending on where you live and the site you choose to invest through.

Should you invest in a peer-to-peer loan?

By investing in a peer-to-peer loan, you won’t have to deal with so much volatility and you’re more likely to see a positive return. Lending Club investors, for example, have historically had returns that range roughly between 5% and 9%.

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Risk warning: Digital asset trading is an emerging industry with bright prospects, but it also comes with huge risks as it is a new market. The risk is especially high in leveraged trading since leverage magnifies profits and amplifies risks at the same time. Please make sure you have a thorough understanding of the industry, the leveraged trading models, and the rules of trading before opening a position. Additionally, we strongly recommend that you identify your risk tolerance and only accept the risks you are willing to take. All trading involves risks, so you must be cautious when entering the market.

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