I first read about this in Wired a while back. This, to me at least, will be revolutionary if it catches on. In a very similar format to eBay, Zopa wants to create a place where people who want to loan money can connect with credit worthy people who want to borrow money. So if you want to want make like 5.5% on $4000 you have hanging around you can use Zopa to ‘list’ your money availability and Zopa has tiered credit level users who can borrow your cash at a pre-determined rate. Without trying to explain it too much, you can loan your cash to higher-risk borrowers for higher returns or go with a safer borrower and get a little less return. Basically it’s totally decentralizing banking from a borrower’s standpoint. Unreal. My explanation might not have been the best, so check their site. By the way, this is only available in the UK. I’m not sure when the service drops in the US, but you better believe I’ll be loan-sharking it on this site.