A p2p lending account as Christmas gift

MyC4 users can now easily give someone a MyC4 account as Christmas gift. With a 6 step process the user creates an account, transfers money and prints a christmas voucher.
The recipient is all set to start investing in loans.

Is this a clever viral marketing idea? Post your take on this in the wiseclerk forum!

Lending experiences at Lending Club
Zopa US launch next week