Found something that is very new and in it's infancy but is quite awesome as far as the concept.I found a well regarded p2p lending platform that has created a coin exchange HTTP://BTCPop.co
. They actually offer insurance on p2p loans as well as a general pool investment that has no losses (you can read the details below). I have been very happy with them and the exchange there is just starting with about 9 alt coins so far, but still early on that side. I like it because I send coins to one place (Send->exchange->invest) without extra transfer fees.
(Confession - I'm also on Bitjam but the default rate has become so high that I've stopped sending new money there.)
Some further background:
1. Exchange side. The exchange side is looking to add about a dozen other coins within the next month. It is still in beta so most people sell their altcoins to bitcoins and then invest the bitcoins in the lending side. The volume is quite small but like I said, it is just starting and the amount of different coins will be impressive quite soon. I have asked for BCN and FCN because of Minergate specifically. They already have Litecoin, Dogecoin, Peercoin, Redcoin, Blackcoin, Namecoin and ZiftrCoin : ZRC with 42Coin and DASH listed but not activated and XMR/Monero up next.
2. Lending Side: They bought a company called Ardeva which creates a credit profile and user verification profile for any borrowers that you can look at and has quite a good deal of information. Loans will have anywhere from 5% to 50% insurance so even if the borrower defaults, you get the insurance amount plus any funds they have in their accounts up to a max of 100% returned. I like that part plus borrowers and actually place collateral against loans for better rates and ratings.
Pool Investments. Borrowers often take out small loans and repay them quickly t improve their reputation. Pop has an "instant loan" feature that slowly increases over time and your history. They are the ones that loan the money and have allowed users to get into the pool of general lending which is backed by them 100%. They are very clear that the pool investments cannot lose your money and are completely liquid so you can add or withdraw at any time.
Any time a payment comes it, you get your share sent to your main account. I'm in all 6 different rated pools so I see anywhere from 2 to 10 payouts a day which are of course small. The pools are ranging on a 14 day average (multiply this percentage by 26 for NON-compounded interest) of 0.95% down to 0.35%. If you do the basic math of 1% times 26 periods you are getting a no loss return of 26% and that's not including compounding which I actually do daily.
I personally have been going into the pools to build base but many people do both the investment pools and the p2p lending.
Hope that helps and good luck in any case.