The Big Problem in Peer-to-Peer Lending We Had to Solve

Introduction

When my team and I came together to work on Pari, we weren’t just looking to build another fintech solution. We were trying to solve a real problem we had all witnessed firsthand: how difficult it had become for millennials to navigate financial independence while living in an economy that wasn’t built for them.

The Reality for Millennials

We looked around at our peers and saw a common theme: many of them were struggling to keep up with living costs. Rent, education, major life expenses—everything was becoming harder to afford, and traditional loans weren’t always the best option. At the same time, we saw another pattern: many of our peers had parents or older relatives who were financially stable, sitting on assets and wealth that younger generations didn’t have easy access to.

A Shift in Wealth and Opportunity

We started analyzing the financial landscape and saw what was coming in the next few decades. Most of the wealth in the U.S. was sitting with older generations, while younger people were expected to figure things out in a world where costs were skyrocketing. Traditional banks weren’t stepping in to bridge the gap, and P2P lending platforms were mostly focusing on strangers lending to strangers.

The Pari Vision

This was the gap we saw—a broken system that wasn’t meeting the needs of families and close relationships. Pari was built to change that. We wanted to make it easier, safer, and more structured for money to flow within trusted circles, helping younger generations access the financial support they needed without the unnecessary friction that often came with it.