Peer-to-peer lending still suffers from wallet pop-ups, unbounded approvals, and intent flows where users blindly sign a Merkle-tree for aggregation. Ethereum’s Pectra fork changes that. EIP-5792 lets a dApp bundle all approvals, contract calls and loan creation into one transaction, while EIP-7702 turns any EOA into a lightweight smart wallet that runs audited modules without surrendering keys.