Does FYGO have the better p2p-lending concept?

In a recent blogpost James Gardner argues that FYGO  may have an advantage over Prosper in P2P lending because with FYGO, you are either borrowing from someone you know directly, or who they know directly.

While it might be true that at FYGO the defaults will be lower than at Prosper, I do not think you can compare both approaches directly. They have different target audiences and are essentially different markets with very different conditions

Incremental data export of prosper data now available
Washington post article on prosper