YES-secure.com is a web-based social person-to-person lending service where one person can lend money to numerous other people even though they are complete strangers to each other. YES-secure.com is implemented through its online (portal) website through which a person who is a lender can auction its money to certain pool of people who are seeking to borrow. The YES-secure.com web marketplace enables peer lenders to locate peer borrowers and vice-versa - they connect borrowers with lenders through their auction-like process in which the lender willing to provide the lowest interest rate "wins" the borrower's loan request.