I don’t know how this works, so if I am totally off track, do say so.
Is there a scenario where Xinja offers a sort of Plenti (Ratesetter) style lending product, where I can invest $X and I earn a percentage of the amount being repaid. But in a totally formal recognised banking sort of way.
I put some money into the bank to lend in a safe organised way as an investment and as part of an overall pool of funds from wherever, Xinja lends the money out, that generates revenue and I get a little cut of it back.
A simple “set and forget” kind of system, rather than multitudes of different options. I put some money in, I get some back. Done.
Obviously there are a million checks and balances in place and the bank takes the responsbility for the loan and the vast share of the gain, but every month or so, I get some dollars added to my Stash.