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" ... While there’s the potential for dozens of peer-to-peer platforms to offer IFISAs, the tax-wrapper may not truly fulfil its potential until the balance of lenders and borrowers at a major platform level stabilises, at which point we could see a significant number of investors enter the market and open IFISAs. It is most definitely an advantage for peer-to-peer, but the balance of originating loans is paramount for platforms to function effectively. ... "