Thanks funny site triangle bikinis The risks are greater at smaller firms. Default rates have reached 25pc at Encash, for example, which has taken more than 拢500,000 of savers' money. By contrast, default rates at Zopa and RateSetter have been 0.69pc since launch and 1.5pc at the higher-risk Funding Circle. RateSetter and Zopa have developed tools to protect against these bad debts (see box).