Thank you for the insight @pifc

As I said, 7% is great for emerging markets. And it was just an example. As I said, loans will be based on various risk factors. And of course, companies are always free to go through the traditional route if they feel it is more advantageous.

Geography will be a huge part of the risk. The economy of the country the borrower is from will play a role in their potential cash flows. In a country like the USA, the premium will not exist. Where as in India or Poland, it most definitely will.

This is based on the fixed income concept of "country risk premium".

I will start looking into the potential of Steem in this process.

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