The idea of creating a P2P platform crossed the minds of the team two years ago. Since then the team turns the project into reality consistently using all their experience. In order to learn to work with online loans the team first launched an online MFI, which tailored the technical tools for verification and scoring system. All the users of SOFIN platform can take advantage of guarantee settlement service. This service owes its existence to experience of work with a settlement guarantee fund. The convenient and transparent workflow system has originated from many years of legal practice.