That is such a cool system. Congrats for developing this smart system. I remember voting for the proposal but I didn't grasp the entire thing fully. Looking forward to make use of this. In times were common interest loans can easily be paid back with tons of opportunities around, this seems like a massively useful feature!
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It started out as a somewhat simple idea to do loans by swap accounts ownership as collateral for lending.. Then when I realized that I should probably decentralize the thing a bit better the idea of getting a side chain going that I could write proper smart contracts on came to me..
It should be a decent attempt at really improving HIVE utility and quality of life for users. :)