Hi, im no native speaker. Therefore its hard to understand the process for lending or borrowing. I would not use honey as i dont understand 100% what im doing there. Step by Step guide, that shows all options would be nice. It should tell me what will happen wen i make this or this step. And of course the best would be, wen u use different languages for this step by step guide. So more people feel comfortable to use this risky tool.