RE: Offtopic (offHiveFest) but had to get the idea out: HCC - HiveCommunityCredit: Microloans on Hive

There is a need for loans here on HIVE and in fact there is a working system in the Spanish speaking community for over 3 years with over 500 loans.
Source: https://peakd.com/hive-167922/@ruta.loans/superamos-los-500-prestamos-otorgados-esp-eng

They do ask for your keys.

I don't think that klye's hive.loans that meno mentioned requires giving keys, but "Users seeking loans on the platform will have to set their recovery account to the @hive.loans account".

You can read all about this Hive Loan project, including some of how it would work and parameters of the offered loans in a post. That post also says "last 10% of development is planned over the next few months" so it is mostly created but of course the last 10% of a project sometimes takes more time than the prior 90%.
Source: https://hive.blog/loans/@hive.loans/hlshare-has-been-distributed-hive-engine-token-is-live-now

Would you invest in such a Hive microloan? Why yes, why no, what do you want?

Yes, I would consider it!

I bought some of hive-loans' HLSHARE tokens some years ago and the project got sidelined for a while but is now back, and all of us who bought HLSHARE have now received them on hive-engine.
Source: https://he.dtools.dev/richlist/HLSHARE
And they can be traded on hive-engine.
Source: https://hive-engine.com/trade/HLSHARE

I think I tried to be a loan provider with ruta.loans but they didn't need any more help, iirc.

SO yes, I would consider an investment in another loan project.

Whether I would take a loan depends on the parameters.

The best guarantee is one done with a smart contract so no keys are given and no trust is needed. I believe VSC will have smart contracts soon that will work for this type of situation. Maybe aggroed will have some code and/or contracts too, maybe using hive-engine contracts or maybe something new. See his comment on this post. A rep system is not needed if the system is run with smart contracts, maybe.

Hive probably needs this, but we won't really know until it is built.

I wish you all the best in your contemplation and possible work on a loan project like this!