I believe that providing credit based on crypto will ultimately stabilize the market... if any of these companies would actually get it together and be able to service the demand! I am the most optimistic about Coinloan because of it's ability to service the "microloan" need without traditional credit checks, but it isn't set to fully launch until later this year (same with Ripio unless you're already bought in). As for Ethlend... just go see for yourself and decide if it's going to disrupt anything in the lending sector. My smell test for these platforms is simple: Are they offering anything better than the payday loan office? If not, I don't think it's a viable business model meant for anyone except speculators.