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Modern banking systematically transformed from credit creator to deliberate gatekeeper, engineering $2.5 trillion trade finance gap while earning billions from derivatives."

" The systematic denial of credit to productive enterprises while financing speculation reveals the banking system working exactly as redesigned over the past sixty years, transforming from facilitators of commerce into gatekeepers who profit more from denying credit than extending it, from managing risk into manufacturing it, from serving the economy into strip-mining it."

" Alternative credit mechanisms emerge wherever traditional banking fails: supply chain finance platforms that bypass banks entirely, peer-to-peer lending networks that match businesses directly, Islamic finance structures that share risk instead of extracting rent. "

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Could Bitcoin, Lightning solutions help small and medium businesses for loans? There is HodlHodl, but it could also be that you have a p2p platform where individuals can invest in a project with bitcoin.