FiNEST modernizes the lending paradigm creating a virtuous cycle for lenders, borrowers and their friends and families. Utilizing the reach of social and digital media, security and ease of the blockchain, and a platform of rewards and recognition, borrowers and their network of people can easily raise the financial validation they need while their contributors can be recognized and rewarded to build their own personal economy for future needs. Lenders will have lower exposure, leading to less lending gimmicks, more secure transactions, faster funding, happier consumers and healthier economy.