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Economy / Service Discussion / P2P Lending platform repayment models
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on: January 17, 2015, 11:48:08 AM
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If you would lend or borrow crypto on a collateral lending platform which repayment model would you choose?
Just to clarify:
1) KISS strategy - keeping it simple is very important for every platform when it comes to fluent operations. The platform will be easier to understand and follow.
The borrower shall lose the pledge if the percent of loan value versus collateral value exceeds 95% minus repayments ( motivation for the borrower to repay the loan on as many repayments as he/she likes whenever he/she likes). There might be additional trust rating for borrowers sending payments regularly. The only cons - it might happen that long term loans are repaid at the end(again, this is balanced by the loan/collateral ratio) , without intermediate repayments, the platform could put a maximum loan period 6 months or so.
2) Multiple payments - btcjam style. Borrowers takes the loan(including long term ones) and are obligated to repay the loan on a predefined payment periods.
Feel free to comment on those models so i can adjust the poll if necessary.
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Economy / Service Discussion / [POLL] What is the best loan collateral ?
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on: January 15, 2015, 03:49:17 PM
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Interested in p2p lending, supporting the "collateral or no loan" term, I think it will beneficial for all of us to have some common sense on the topic.
I have added some alt coins that seems to be liquid and some common digital assets - please comment if you think that something needs to be added.
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Bitcoin / Bitcoin Discussion / 2 of 3 transaction realized by Shared Secret Phrase vs Multisig
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on: December 10, 2014, 02:47:37 PM
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Guys,
if you need 2 of 3 authorized transaction , the conventional way would be to use 2 of 3 multisig, right?
what about BrainWallet with shared secret ? Consider the following situation:
party1 - holds the first half of the passphrase
center - holds the second part of the passphrase
party2 - holds , again the first half of the passphrase
For obvious reasons party1 and party2 cannot access the funds without the center.
Once the center(arbitrator) decides where the money should go, it will give it's half of the passphrase to the corresponding party.
The solution is simple and secure as long as the center make sure that it's half of the passphrase is secure enough(random seed generation,long enough, special symbols, etc)
How does this solution related to the multisig transactions in terms of security?
regards.
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Alternate cryptocurrencies / Altcoin Discussion / Give bitcoiners 2.0 functionality
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on: October 18, 2014, 09:14:01 PM
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Hello guys,
I am developing an android wallet, that will give the bitcoin users access to bitcoin 2.0 technologies.
For example, you will be able to trade on decentralized asset exchange and sell goods on the digital goods market again, everything decentralized.
You would also be able to send encrypted messages.
The extra functionality is delivered by a bitcoin 2.0 technology, so you would have to buy relevant coins within the app.
What do you guys think of that, would it work for you?
regards.
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