Hey @nisa , yeah great questions…
- L2’s - Yeah def hear you on this, which is why it’s in the Access section. This is a pretty complicated decision in my opinion. Should we split liquidity across multiple chains? Should we try to unify them in some way? Which chain or L2 should we choose? Regardless of what we do, it would likely be a sizable eng lift, and Goldfinch has unique needs here, because the Borrowers need great fiat on and off ramps, and even the bridges to these L2s often don’t have enough liquidity to support $10 or $20M loans. zk-based L2s don’t have that problem, but aren’t as mature as the optimistic ones. Moving to a non-EVM compatible chain would be an even greater eng lift. Also, the L2 landscape is still very young, and it’s unclear who the “winners” will be. This is part of why we put it in the 6-12mo section. I think L2s will mature a lot and we’ll learn a lot even in the next 6 months that will help the community make a great decision. But it’s def something I’d be in support of, as Goldfinch should be expanding access as widely as possible. It also opens up really cool design space to support smaller dollar loans.
2.) This is an interesting one. Kinda depends how we do it. It would be trivial to “accept” DAI and just convert it into USDC on demand. Would that meet the need? Or are you thinking of something else, where the loan itself is denominated in DAI?
3.) I really like this idea, and think it could be a cool community project.