Yes true, there are already a number of projects on the market who are doing same thing as ABLE. But as you also mentioned, ABLE project will use blockchain technologies to eliminate all kind of 3rd parties involved as well as make borrower and lender direct contact. I do believe that ABLE has quite a good chances to take their niche in this industry as finance market is very huge, so there will be a piece of pie for everyone who brings their concept to life at the best way.