People have been lending and borrowing money with each other since...well, forever. We tend to call that sharing money.

Every bank is about sharing money--your money goes in, they share it with other people, called borrowers. They pay you 2%, then charge them 18%. But it's not very satisfying, since you don't know, and can't say, who you're sharing with. And too much of that money goes to polish all those marble floors.

With Zopa, this is all gonna change. Zopa brings people together online so they can share money, easily, safely, and in a way that's fun and meaningful.

Oh, and since there are no big banks involved, with all their extra costs, everybody will get a better deal.  

In the U.S., members who invest in a Zopa CD get a guaranteed, federally-insured investment. At the same time, they help members who've borrowed a Zopa Loan by reducing their monthly loan payments by the amount of the help given.

Zopa Loans are unsecured personal loans which may be used for most any purpose.