Earnest's ability to offer loans with interest rates that are so discounted compared to traditional lenders will make a huge impact on people's lives. I'm hopeful that Earnest's ability to leverage data and provide more manageable loans to borrowers will help break the viscous debt cycle we often see from people who take out personal loans. Disclosure: QBVP is an investor in Earnest

Love the Earnest team. Even cooler that Nas is backing it up.