Well then given China's history it's done 2-3 thousand years ago. But not using artificial intelligence or machine learning and lending both the sides merchant on one hand and shoppers on another side. The scale at which China's companies are operating, AI and ML is necessity. Provide credit limits for merchants in their accounts to purchase products on 1088 wholesale market owned by alibaba. Sale it to over 600 million shoppers on tmall, taobao. Shopper also have credit limits with loans. Money rotates within the eco-system at scale of over 600 million participants. All credit limit and loan decision by machine with very limited human intervention given scale, and done by WePay and alipay banks with no branch mobile phone interface only.