small font on TOS or i need glasses!   Thanks for the warm welcome. |
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Am seeking a loan of 0.07 for my son's medical bill, anyone willing to fulfill i'll forever be grateful. Am also open to terms.
Loan Amount: 0.07 BTC
Loan Purpose: Medical Bill
Loan Repay Amount: 0.082 BTC
Loan Repay Date: May 15,2019
Type of Collateral: 0.5 Eth
Bitcoin Address: 3BWHuwUgrCaXw3RENQSYfQm2DSKAywUpmq
Your collateral is only worth about BTC0.016, and will qualify you for a BTC0.013 loan from most lenders. I would assume your son's medical bills are more pressing than that 0.5 ETH, so I suggest you sell that for what you can get and try to settle the rest of your son's medical bills over time. |
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I could have waited a week or 2 before applying, found some Merit sellers to meet your requirements, asked for a loan and got it. Like suchmoon pointed out, you have earned 0 merits, so you would have bought 50 merit points just to apply? You must realize I can still deny you a loan even if you meet all the criteria to apply, right? |
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Will hold ETH collateral
If this is for a loan, I suggest contacting DarkStar_. He's provided escrow for loans in the past. |
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Perhaps DireWolfM14 should be more specific but I think he expects a signed message. That's correct. I prefer to have the application signed with an address that was staked some time in the past, even for secured loans. I've included an example in my OP, and here. I hope this eliminates any ambiguity. Application has been signed with an address that was staked here. -----BEGIN BITCOIN SIGNED MESSAGE-----
Username: DireWolfM14
Loan Amount: 0.1 BTC
Purpose: Trading
Collateral: None
Repayment date: 23 APR 2019
Repayment Amount: 0.1035 BTC
Funding Address: bc1q2nwf4njwkpeuyycx5a95nj6mf8m45djdk863xs
-----BEGIN SIGNATURE-----
157v67atJjnx7Fdi2wmcBBpChugHNmDWup
IEYQbo8AJynG6hoQqD14aefWHMGVP1ukUM0xX+wFyOlyYXgVd1jQY5hGK8ltt1qG+lfCymKcW3ms6PKpL8OMTxE=
-----END BITCOIN SIGNED MESSAGE----- @Batmanvsduecare, thank you for your request, but I'm sorry, you do not qualify for a no-collateral loan from me. I never said I earned those 100 Merits,I was also pointing that asking for a certain number of Merits in a certain time fram may lead to the creation of a Merit points market which will lead to more scams and do more harm than good. I seriously doubt my little lending business is going to have any affect on the Merit Market. And just to be clear; rank and merit requirements only apply to unsecured (no collateral) loans. There is no rank or merit requirement for loans secured by collateral. |
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Hero member Sled has some suspicious activity in account's history. There was a 4.5 month-long gap in post activity from November 4, 2018 to March 24, 2019. On March 23, 2019 the account's password was changed. The posts before the gap had some coherency to them, at least ideas were adequately articulated. After the gap; word salad. User Profile: https://bitcointalk.org/index.php?action=profile;u=552262Bpip: https://bpip.org/profile.aspx?p=SledPassword Change: March 23, 2019, 23:42:10 - Sled - password changed The account posted a bitcoin address in the Stake thread on September 6, 2015, but strangely the user's post has since been deleted: 1NscccfShU2Phb5m8XirPBL9AJq4a8mFNy
I also want to stake my address
secured Earlier today the user requested a loan from Shasan. Not a huge loan, certainly doesn't seem like an attempted exit scam, but none the less I figured it was worth warning folks to consider the possibility this may not be the original owner of this account. Loan Amount: 0.01 BTC
Loan Purpose: Personal
Loan Repay Amount: 0.0108 BTC
Loan Repay Date: May 5,2019
Type of Collateral: None
Escrow profile Link: None
Bitcoin Address: bc1qqpmlq0e8qu4es377928yhxr9ym46murvj3qz7y |
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There isn’t even an option to say he will repay on time. Your optimism is noted, and should be revered. But, statistically speaking most would put the odds of that happening at slim to none. |
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Since a user has to be logged into the forum to see others' profiles and trust page, will that user's name and avatar be displayed at the top of the archived page? That's the only issue I would have with archives allowing pages to appear as they do for me when I'm logged in. Maybe your archiving tool can incorporate Suchmoon's stealth code.
As for whether it's allowed or not, I really don't know. I noticed other forums of which I'm a member don't display trade ratings in "guest" mode. There might be some privacy concerns for those who've left the feedback as well.
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Username: Batmanvsduecare
Loan Amount: 0.07 BTC
Collateral: None
Repayment date: 01 May 2019
Repayment Amount: 0.08 BTC
Funding Address: bc1qyfl2yr7sr0wsegl2d79ejn7peugkr5p7ed9w02
Denied. 1.2.3) Unsecured Loan requests are reserved for member meet the following criteria:
1.2.3.1) Full Member rank or above,
1.2.3.2) And have earned a minimum of 50 merits,
1.2.3.3) And have earned a minimum of 10 merits within the last 120 days.
~
7.1) Applications must be signed with a staked bitcoin address. |
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First things first: this thread probably belongs in Reputation, maybe Scam Attempts, but certainly not Meta.
Second, it doesn't sound like Lesbian Cow is breaking her terms, just modifying them to protect herself from your nonsense.
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If you want a second set of opinions, your rates seem too high - they will attract more scammers than genuine requests. Especially for the collateralized loans. Just my opinion though.
Thanks for the advice, I'll give it some consideration. I tried to position myself somewhere in the middle of the pack, but I'll do more research to confirm. ETA: After giving it more consideration and looking at long term ROI, I decided you are right. I've modified my interest rates. |
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3.1) Repayment addresses:
3.1.1) Bitcoin: 3MiRqZZ3y1dNqWqi4e1jkSYYPprTzns41b
3.1.2) Ethereum: 0x73fF544f3d5B6FE3A40cCD22fAad34fD3837560b I would suggest providing a unique address for each loan, so there is no question who a payment is from if two people owe you, say 0.05 BTC exactly. I have found that many people tend to withdraw money directly from exchanges to my address when they are paying me. You can provide a signed message with a repayment address so the borrower can prove they paid you. Good luck! Thanks for the advice, that's not a bad idea. I'll add the option for borrowers to request a unique address, it's all going to end up in the same Trezor account anyway. |
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so tempting... it's like a chocolate-glazed strawberry-filled doughnut with sprinkles... Holy cow, I went into a diabetic seizure just reading that. Can I have another? |
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TOS Change Log:
16 April 2019:
Added the following sections: 2.2.1.4.1, 2.2.1.4.1.1, 2.2.1.4.1.2, 2.2.1.5.2, and 3.1.3.
17 April 2019:
Revised section 1.2.3 as follows:
- Previous version: 1.2.3) Unsecured Loan requests are reserved for members that meet the following criteria:
- Revised version: 1.2.3) Unsecured Loan requests are reserved for members that meet all the following criteria:
Added section 1.2.4.
24 April 2019
Fix grammatical errors.
Add sections 2.2.1.6, and 2.2.1.6.1.
Section 6.0 revised: was the acknowledgement section, now pertains to feedback, reviews, and trust.
Section 8 added as the new acknowledgement section.
22 August 2019
Added the following sections: 2.5 to address security of The Borrower's collateral.
Revised section 3.1.3.
Added section 3.1.3.1.
Revised section 3.2.
Revised section 5.1 and 5.2.
15 September 2019
Updated repayment addresses:
3.1.1) Bitcoin: 35Q9V11H6v8goJaPepRwRyh8SH4Rk8wrCv
3.1.2) Ethereum: 0x44e39672DedFbe99A1CC7A25dedB6281303FF000
19 October 2019
Updated repayment addresses:
3.1.1) Bitcoin: 348XXjbpXwg37JYd8knLnHRSMajLbteSbJ
3.1.2) Ethereum: 0x78B03f6F5848E4a473BDf8eE81e3f20870Ac70A8
14 March 2020
Updated PGP key.
New fingerprint: 7EA88068A66DFBCC7CACBBEBE2E0A3A7EAB3CEA5
Old fingerprint: 8FE4A7A028980A92143F2E936FC0D490FA1861B8
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DireWolfM14's Bitcoin Lending Service
Table of Contents
.Available Currency:| Coin | || Limit - Secured | || Limit - Unsecured | | Bitcoin | || 0.25 BTC | || 0.05 BTC |
.Interest Rates:- This lending service operates on Muslim Halal principles.
- The Lender does not charge a fixed or set rate.
- Below are interest rate recommendations for short term (about 30 days) loans only.
- When requesting a loan, you may suggest a fair repayment amount according to your capabilities.
- No-interest loans are available to certain individuals based solely on The Lender's discretion.
- Long-Term loans (over 180 days) with lower annual percentage rates are available for secured loans.
.Secured Loan Interest Rates:Recommended interest rates for loans secured by valid collateral: | Loan.Duration.... | || Percentage Rate | | Up to 14 days | || 3.5% fixed | | 15 days and over | || 0.25% per day |
.Unsecured Loan Interest Rates:Recommended interest rates for loans not secured by valid collateral: | Loan.Duration.... | || Percentage Rate | | Up to 14 days | || 5% fixed | | 15 days and over | || 0.36% per day |
.Application:To apply for a loan please fill out the following form, sign it with a staked address, and post it in this thread or send it to me via forum PM. All loans will be posted publicly, but your privacy is important to me. If you choose to keep your addresses private, please inform me when making your request. No loans will be issued based on communication outside this forum. Username:
Loan Amount:
Request date:
Repayment Amount:
Repayment date:
Collateral:
Purpose:
Funding Address:
Application has been signed with an address that was staked here. -----BEGIN BITCOIN SIGNED MESSAGE-----
Username: DireWolfM14
Loan Amount: .1
Request date: 05 JUL 2023
Repayment Amount: .105
Repayment date: 19 JUL 2023
Collateral: 22 XMR
Purpose: Bitchen Camero
Funding Address: bc1qaj67djtqrehzw56fk24n85ym3y9wulap5tlay2
-----BEGIN SIGNATURE-----
157v67atJjnx7Fdi2wmcBBpChugHNmDWup
IA0fxtrMyh7ZMjmQbz+c6iJKPb+8R+/tqDupH0IJgu7iK7sTPfJ5VW8kjmySytOySBfXEi+fB7Up8wNv2d5Hxcw=
-----END BITCOIN SIGNED MESSAGE-----
.Repayment Addresses:Bitcoin: bc1qaj67djtqrehzw56fk24n85ym3y9wulap5tlay2A unique repayment address will be provided upon request. Alternate repayment addresses must be signed by me using my staked bitcoin address or PGP key.
.Terms of Service:Addendum to TOS:Additional terms of service (subject to change.) - Monero (XMR) and Grin Coin (GRIN) will be considered as valid collateral regardless of the coins' exchange listing status.
Full Terms of Service:Definition of terms:
Person requesting a loan: hereby known as Borrower or The Borrower.
DireWolfM14: hereby know as Lender or The Lender.
Third party Escrow Agent: hereby known as Escrow Agent.
Secured Loan: A loan secured with Valid Collateral valued at a minimum of 120% of the requested loan amount.
Unsecured Loan: A loan not secured by Valid Collateral.
Terms of Service:
1.0) Loan Type:
1.1) Secured Loans:
1.1.1) Secured loans require valid collateral valued at a minimum 120% of the loan amount.
1.1.2) See section 2.0 for qualifications of collateral.
1.2) Unsecured Loans:
1.2.1) Unsecured loans do not require collateral, but offering collateral that does not qualify for secured loans may increase chances for approval.
1.2.2) Acceptance of unsecured loan requests is subject solely to the discretion of The Lender.
1.2.2.1) Acceptance criteria for unsecured loans will not be publicly disclosed.
1.2.3) Unsecured Loan requests are reserved for members that meet all the following criteria:
1.2.3.1) Full Member rank or above,
1.2.3.2) And have earned a minimum of 50 merits,
1.2.3.3) And have earned a minimum of 10 merits within the last 120 days.
1.2.4) Meeting the criteria to apply for an unsecured loan does not guarantee approval.
2.0) Collateral:
2.1) Valid Collateral is subject to the discretion of The Lender.
2.2) Types of collateral:
2.2.1) Cryptocurrency:
2.2.1.1) The value of the cryptocurrency used as collateral must be at minimum 120% of the requested loan amount.
2.2.1.1.1) If, at any time during the duration of the loan the value of the cryptocurrency used as collateral falls below 120% of the loan amount, The Borrower agrees to the following:
2.2.1.1.1.1) The Borrower must add collateral of sufficient value within 48 hours.
2.2.1.1.1.1.1) If The Borrower does not replenish the value of collateral within the allotted time, and the value of the collateral falls below 110% of the loan amount The Borrower grants The Lender authority to sell the collateral.
2.2.1.2) To qualify as collateral for a secured loan cryptocurrency must be listed and traded on a minimum of one (1) of the following exchange(s):
2.2.1.2.1) CoinBase
2.2.1.2.2) Binance
2.2.1.3) Cryptocurrencies not listed and traded on one of the above exchange(s) will not be considered as valid collateral for a secured loan, but may be considered as additional security for an unsecured loan.
2.2.1.4) Cryptocurrency used as collateral will be stored by The Lender on a hardware wallet (when possible) with a secure back-up.
2.2.1.4.1) In the event collateral cannot be stored on a hardware wallet The Borrower will be given the following options:
2.2.1.4.1.1) The Lender shall store the collateral in a secure, encrypted desktop wallet, or
2.2.1.4.1.2) The Lender shall store the collateral in an exchange account secured with a strong unique password and 2FA.
2.2.1.5) Cryptocurrency used as collateral may be held by an Escrow Agent.
2.2.1.5.1) The Escrow Agent must be approved by The Lender.
2.2.1.5.1.1) Approval of the Escrow Agent is subject solely to the discretion of The Lender.
2.2.1.5.1.2) The Lender reserves the right to reject an Escrow Agent for any reason without explanation.
2.2.1.5.2) Escrow fees are at the expense of The Borrower.
2.2.1.6) Upon successful repayment of the loan the collateral will be returned to The Borrower as quickly as possible.
2.2.1.6.1) Transaction fees for the return of collateral are at the expense of The Borrower.
2.2.2) Physical goods:
2.2.2.1) To qualify as collateral for secured loans physical goods must be easily sold for a minimum of 120% of the loan amount.
2.2.2.1.1) Physical goods accepted as collateral:
2.2.2.1.1.1) Precious Metals (i.e. gold, silver, platinum)
2.2.2.1.1.2) Ammunition
2.2.2.1.1.3) New computer hardware (i.e. GPUs, ASICs)
2.2.2.1.1.4) MREs
2.2.2.2) Physical goods held as collateral must be delivered to The Lender at The Borrower's expense.
2.2.2.3) Upon repayment of the loan, collateral will be returned to The Borrower at The Borrower's expense.
2.2.2.4) Acceptance of Physical Goods as collateral is subject solely to the discretion of The Lender.
2.3) Digital assets other than cryptocurrency, such as, but not limited to forum or social media accounts, domain names, websites, gaming credits, YouTube channels, and NFTs are not accepted as collateral.
2.4) The Lender will not accept, nor assume control of forum accounts or social media accounts in lieu of collateral or repayment of a loan.
2.5) The security of The Borrower's collateral will be assumed by The Lender only if The Lender is directly and solely in control of the collateral.
2.5.1) The security of The Borrower's collateral applies only to the prevention of theft or loss of the collateral.
2.5.1.1) The Lender will not assume any responsibility for the devaluation of the collateral due to market fluctuations or events outside The Lender's control.
2.5.1.2) In the even The Lender is in control of The Borrower's collateral The Lender will assume full responsibility for the security of the collateral.
2.5.1.3) In the even an Escrow Agent is in control of The Borrower's collateral The Lender will not be held responsible for the security of the collateral.
3.0) Repayment of loan:
3.1) Repayment addresses:
3.1.1) Bitcoin: bc1qaj67djtqrehzw56fk24n85ym3y9wulap5tlay2
3.2) Upon request a unique repayment address shall be provided.
3.2.1) Alternate repayment addresses must be signed by The Lender using a staked BTC address or PGP key.
3.3) Loans must be repaid no later than 23:59 Pacific Standard Time on the date designated as the repayment date.
3.3.1) Loans not repaid by the designated time are subject to an additional fees.
3.3.2) Loans not repaid within 72 hours of repayment date will be deemed in default.
3.3.2.1) By allowing a loan to default, The Borrower grants The Lender complete and undisputed ownership of the collateral.
4.0) Acceptance criteria:
4.1) Acceptance or rejection of the loan request is subject solely to the discretion of The Lender.
4.2) The Lender reserves the right to deny loan requests to anyone, for any reason or no reason, without explanation.
5.0) Disclaimers:
5.1) Terms of service at the time of loan request shall be considered a contractual agreement.
5.2) Terms of service may change at any time without notice.
6.0) Feedback, Reviews, and Trust:
6.1) Successfully completed loans may or may not result in a neutral review left on The Borrower's trust wall.
6.1.1) The Lender is not obligated to leave a review or any feedback for successfully completed loans.
6.1.2) Defaulted loans will be reported by leaving a negative review for on The Borrower's trust wall.
6.2) Users approved for an unsecured loan will have a neutral review posted on their trust wall for the duration of the loan.
7.0) Application:
7.1) Applications must be signed with a staked bitcoin address.
8.0) Acknowledgement:
8.1) By requesting a loan you, The Borrower, acknowledge your acceptance of these terms.
.Signatures:-----BEGIN PGP SIGNED MESSAGE-----
Hash: SHA256
This is DireWolfM14, today is July 1, 2023
Here is the generic loan repayment addresses for my lending service:
Bitcoin: bc1qaj67djtqrehzw56fk24n85ym3y9wulap5tlay2
-----BEGIN PGP SIGNATURE-----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=YiJ7
-----END PGP SIGNATURE-----
-----BEGIN BITCOIN SIGNED MESSAGE-----
This is DireWolfM14, today is July 1, 2023
Here is the generic loan repayment addresses for my lending service:
Bitcoin: bc1qaj67djtqrehzw56fk24n85ym3y9wulap5tlay2
-----BEGIN SIGNATURE-----
157v67atJjnx7Fdi2wmcBBpChugHNmDWup
IEOQa0iwyFLRyXcSa7jIJK2lFu0hY4A/Jp0i+0C35JrncAGVVjESJzBFrHz8jwpdRuhJWwxJiULA+Bz6S5p/9Pw=
-----END BITCOIN SIGNED MESSAGE-----
.Resources:PGP Fingerprint: 7EA88068A66DFBCC7CACBBEBE2E0A3A7EAB3CEA5Staked Bitcoin Address: 157v67atJjnx7Fdi2wmcBBpChugHNmDWupOther Resources:Trusted Escrow ProvidersHow to sign a message?!Stake your Bitcoin address hereExternal Resources:Verify message signed with a bitcoin address.Verify message signed with a PGP Key.
Self moderated thread:
Spam posts will be deleted;
Posts by unqualified members requesting unsecured loans will be deleted;
Off-topic posts will be deleted.
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Perhaps next time you will give yourself extra time to repay any loan you try to take out.
Next time he'll ask for two weeks and payback after three. But if you do the math, that's only a 50% increase in load duration, not a 100% increase, so it's better, I think.  |
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The title of the thread is a bit misleading, and it scared me too. My first thought was that you already were a merit source, and wanted to be removed from that status.
I'm glad I was mistaken, and that this is a merit source application, not an appeal. Best of luck, you would make a good source in my opinion.
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Are you going to still hodl BSV If you mean still hodl-off from buying any, then yes. Coins shilled by narcissists are dangerous, and even more so when shilled by narcissistic wales. |
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