P2P (peer-to-peer) lending platforms connect individuals who need financing with investors willing to lend money, without the need for bank intermediaries. This model allows for obtaining loans with more competitive interest rates and fewer bureaucratic requirements. Services like LendingClub or Kiva have popularized this form of financing, facilitating access to capital for entrepreneurs and small businesses. By eliminating bank operating costs, lenders can achieve better returns and borrowers can access better credit conditions. Blockchain technology and smart contracts are further empowering this decentralized model.