We finally went live with listings this week. (See my listing.) Listing is a completely new approach at Zopa. You can select who you lend money to individually. There's still credit scoring (we discard the 'bad ones', but it's a guide rather than a rule.

Borrowers are uniquely identified by pseudonyms. Which means they can choose to promote or associate themselves with their listing. You could place your listing's URL on your blog (like me), or email it to friends & associates.

Still lots to do. The star system we use for credit info doesn't mean much to most people, so we need to give context to that. The auction system needs to release money from failed bids faster. There's no API or statistics yet. And so on, and so on.

But it's there. And it's working!