I'm totally late to the crowd here but a friends startup, smava, recently launched and I'm totally psyched! I met Alexander way back in 2005 when we were both in p2p lending and borrowing space and flew out to Germany in early 2006 to do some work him and the team. They've been slaving away for some time now jumping through all the regulatory hurdles and finally made it through!! Congrats guys! The smava team is just about the sharpest group of guys i have ever met -- i look forward to seeing some exciting things from them!