ADA Holders Functioning as Banks

A lending feature by which ADA holders can lend/borrow ADA for a set period of time, to both gain interest on funds and access small loans.

I've been developing since I was a child, and am now nearing 30.

An intermediary Dapp would have to have access to ADA funds as collateral on the side of the borrower, and allow the lenders to choose a max amount they're willing to lend, the minimum interest (options would be in ADA, or in USD value of ADA) the lender would like to receive on this loan, as well as the max loan time (be it 5 days, a month, etc.  The customisability here should not be limited).

The Dapp would also host a marketplace, of sorts, of all of the active loan offers people have put out there.  From here, borrows can browse or even search for loan offers by metric, and apply for the loan directly to the lender, where they then get the option to look at the appropriate metadata associated with the lender, then a loan offer is either accepted and taken off of the market place, or denied and remains on the market place.

I imagine that it also wouldn't be impossible to have a backend calculation on the appropriate metadata to provide also an overall "borrower's score" to give an extra piece of information to the lender.