1. A method, comprising: identifying available lenders and existing networks within a vicinity of a borrower; selecting an optimization technique for completing a task of the borrower; calculating, for a plurality of network options, a value for completing the borrower's task according to the optimization technique; and selecting an optimum network option to complete the borrower's task, wherein the plurality of network options includes forming a heterogeneous network composed of both a peer-to-peer network and a multiplexed network.