Peer-to-peer (P2P) lending revolutionizes traditional financial systems by directly connecting lenders and borrowers, bypassing intermediaries and emphasizing personalized, accessible financial services. The success of P2P lending heavily relies on trust, which is typically assessed using credit checks, income verification, and financial assessments. However, the article explores how digital indicators, such as browser interactions and behavioral biometrics, can enhance trust evaluation by identifying potentially suspicious activity, such as the use of bots, VPNs, or device tampering. Popular P2P platforms like Prosper, Kiva, and Upstart highlight the model's diverse appeal, offering unique benefits like lower interest rates for borrowers and higher returns for lenders. Despite its advantages, P2P lending poses risks, including the possibility of borrower defaults and data privacy issues. To mitigate these risks, platforms can use advanced tools like Fingerprint's Device Intelligence Platform, which provides sophisticated digital signals to bolster risk assessments, ensuring a secure lending environment through a comprehensive analysis of user behavior.