IPO - Plenti Group Limited, page-297

Conspiracy theory:
when a lender applies for early access the loan is sold to another investor. The borrower is oblivious to the transaction and continues paying the original rate. Plenti receives commission on interest from both lender and borrower, and where the lender rate has dropped there is a gap they get to keep.

plenti also has a conflict of interest in funding directly and providing a market. If the max lending rate drops they have the opportunity to buy the higher interest loan and fund it with the new lower interest.

couldn't possibly happen because they said they would monitor it in the IPO.

like I said, just conspiracy theories