What is considered good collateral these days?

[Freedom4All]

No,

The lender that contact me will see that is not the case. Even if he does not lend me, he will confirm that I am at least very legit.

There might be few but there still are enough people with just good intentions. And he/she will know and see that.

[PX-Z]

I would not play with an already established website. Giving administrator access as collateral can cause serious problems. Anyone who is ready to do that does not believe in its value, just by agreeing to open it. Likewise, anyone with a functional and valuable website will not allow unnecessary admin access to a third party.

That's part of the risk if the lendee wants to make his/er website's admin access as a collateral also with the help of reputed escrow.

[Freedom4All]

Apart from the website, there are numerous interconnected elements. Social media, an advertiser, a video channel, and a community that recognizes me due to the website. Additionally, there are payment methods associated with it, among many other things.

From the lender's perspective, they might perceive these connections as valuable collateral. Alternatively, they may view them from a different angle and consider them decent collateral. Moreover, it should be evident to the lender that I would never ask for a loan unless I am absolutely certain about my ability to repay it.

I understand that this can be challenging. Is there a service available that specializes in verifying someone's legitimacy by seeking information and answers to specific questions?

[examplens]

-A fully verified bank account.

The point of collateral is to be able to sell it when needed.

This sounds like an apartment with a sea view. It's nice and adds value, but at the end of your vacation, you can't take it with you.

That's why I hope it can be seen as collateral. I have a lot to lose, but I am fully aware of what I am doing and what I anticipate in terms of funds coming in. The only risk I face is the possibility of dealing with an illegitimate lender who may take advantage of the situation. That's why I am actively seeking a reputable lender or member.

It's more than complicated. As Loycev mentioned, even if the lender would accept the site as collateral, what are the chances that he would sell it if you don't repay the debt? It should be a ratio of at least 1:10, if the estimated value of the website is $1000, the maximum that would be calculated for collateral is $100.
You would also have to transfer the management of the domain to the lender (which is again an additional cost)

Apart from the website, there are numerous interconnected elements. Social media, an advertiser, a video channel, and a community that recognizes me due to the website. Additionally, there are payment methods associated with it, among many other things.

From the lender's perspective, they might perceive these connections as valuable collateral. Alternatively, they may view them from a different angle and consider them decent collateral. Moreover, it should be evident to the lender that I would never ask for a loan unless I am absolutely certain about my ability to repay it.

And here the lander is not very useful. Maybe he could add his own accounts so that he takes the profit, but that is also risky and can cause a ban on advertising and sm services. Plus, a lender would have to know a lot about the backend of a website, and these are not related jobs.

It is obvious that you are far from being able to get a loan based on everything you listed, OmegaStarScream gave you the most accurate answer. If you already have a continuous income from your business, it might still be better to rely on your own finances and go step by step. Everything will be slower, but you won't complicate things further.

[Z-tight]

Moreover, it should be evident to the lender that I would never ask for a loan unless I am absolutely certain about my ability to repay it.

The lender cannot be sure of this, if it is evident to the lender that you are going to repay your loan, then why would they request a collateral. The collateral is to ensure that the lender can get back their money if the borrower defaults, and many times people take loans with the intention of paying back, but along the line things beyond their power happens and they can no longer pay back, if that happens in this case, what is the lender going to do with the website?

Is there a service available that specializes in verifying someone's legitimacy by seeking information and answers to specific questions?

There is no such service on Bitcointalk, it takes a long time to become a member with a high reputation here and it is based on how trustworthy the member has been in all their years in the forum.

[Freedom4All]

I would not play with an already established website. Giving administrator access as collateral can cause serious problems. Anyone who is ready to do that does not believe in its value, just by agreeing to open it. Likewise, anyone with a functional and valuable website will not allow unnecessary admin access to a third party.

That's part of the risk if the lendee wants to make his/er website's admin access as a collateral also with the help of reputed escrow.

That´s what I thought. And it´s not just the website access.

[Volgastallion]

-A verified Localbitcoins account.

You are trying to provide a local Bitcoin account as collateral  I have no headache about the collateral I acceptable or not. But my headache is how you will give that as collateral while Localbitcoin stopped their service. So, undoubtedly it seems to me you are trying to scam.

I read that and also, A VERIFIED BANK ACCOUNT, man WTF, i know the other are important accounts but a bank account with real information and in a real legal framework....

Another think about that, in wich country?.

If the account its your please dont be so stupid to give that to anyone. IF not yours.......

I dont want to think you are another one scammer.

[FatFork]

~
I understand that this can be challenging. Is there a service available that specializes in verifying someone's legitimacy by seeking information and answers to specific questions?

I'm afraid it doesn't work that way. There are many well-intentioned people here, but the thing is, people have no reason to trust you. Trust is something that must be earned, and you're not there yet.

Well, if you were an established member with a decent reputation and a track record here, I wouldn't mind to get in touch and engage in business with you. However, in your current situation, you come across as someone overly eager to get a loan, which is always a red flag. That's why good collateral is important when doing business with someone new to the community.

[Freedom4All]

Yes, you're right.
I want to become active here again, but indeed: I am urgently looking for a loan, hoping that my online track record and other possible information/access can serve as collateral.Or I want to do something to earn it. But it´s not that easy anymore as years ago.

The main reason I come here is I do come back again to this world en be active and setup my side business again.

I know what I'm doing, will not deal with newbie. For the same reason many here will not deal with me.

Only sometimes you end up in situations you don't foresee.
But I know exactly what funds come in the coming weeks.

Not going to risk all my work online. That´s why I hope to be able to deal with a very reputable member.

[coin-investor]

Yes, you're right.
I want to become active here again, but indeed: I am urgently looking for a loan, hoping that my online track record and other possible information/access can serve as collateral.Or I want to do something to earn it. But it´s not that easy anymore as years ago.

It really depends on the lender if they have a use for what you are offering and they can easily dispose to get their capital back, lenders' business is lending so they have to retain or maintain their capital and increase it if possible, they want collateral that they can dispose of easily because lending is risky business, especially online lending where are not familiar on who you are dealing with.

My suggestion is because you are a newbie here and you cannot offer Crypto collateral, just take a bank loan or to your relatives, or sell your stuff, if you believe in your project offer this to an angel investor that you personally know.

[tabas]

A good collateral is the one that the lender can easily liquidate and none of those you've mentioned are one. But who knows if the lender can consider any of those or all of it as one for the amount that you're asking. The lender can explain to you that all of it are worth it and valuable to you but it could be little to none value to him. If you're trying to use them as a collateral, try to sell any of them at any value if you're really in need of money. Because just as what everyone is saying and likely from a perspective of a lender, if I'm the lender alone, I won't take any of it so you'll be declined to take that amount even if it's just for the short term.

[Freedom4All]

Well, I added some context to my loan request and some answers to questions like this here:
https://bitcointalk.org/index.php?topic=5457423.msg62467147#msg62467147

And some say, "The website could be stolen."
Wouldn't I immediately exploit this website that has a mailing list and people who trust the website owner and all its writers and columnists?
It's not an affiliate website at all. There are no ads. It's actively moderated to ensure discussions remain healthy and trolls have little to no chance. And the website exists since 2019.

[palle11]

For what I know on the forum regarding collateral for loan, signature campaign have been used as consideration for a collateral especially long time campaigns but to attach verified accounts with KYC approval doesn't look like solid collateral, I mean it is just an account and no funds in it, so what will the account be used for if there is an exit ? So where the loaner starts using the account as his or resell it (for how much) he might have further problems in withdrawal or by any means updating, revalidating or verification message through email or phone message number.

It is quite delicate to use such accounts mentioned as collateral but I don't know if any btt account has been put out as collateral, I mean like forfeiture of the said account if the loan was not in anyway repaid.

[smyslov]

Your title says

What is considered good collateral these days?

This is to support your loan application but it should be what is considered good collateral here in Bitcointalk, what you're offering could be good on other platforms but here in Bitcointalk, it should be something that the lender can dispose of in case you default your loan.
I don't think any of what you're offering is a good and accepted collateral it should be based on what the lender here can accept and usually, they only accept tradeable Cryptocurrency.

[LTU_btc]

OP, did you used AI to make that list of collaterals? I'm not sure which one of these things is good collateral. You're on Bitcoin forum and all these accounts with KYC verification isn't an option. Bank account, Coinbase and etc isn't an option here. Twitter account with 5000 followers don't have much value and I don't even know what is Rumble. Localtbitcoins? Are you aware that they don't work anymore.
If you really need to get loan, I suggest you to take closer look at lending board to see what is used as collateral here.

[Darker45]

Hey there, Freedom4All! When getting a loan and you offer a collateral, it's actually not about what you risk, but what guarantee the lender has so that even if you run away, the lender wouldn't be financially hurt.

So, if you provide your real name, address, phone number, bank account numbers, passwords, PINs, website and various other online account access, and so on; the real names of your friends and family, all their personal information, you are indeed already risking so much. And no sane man would risk those. But the lender doesn't actually care about those.

[avp2306]

A good collateral is an asset which have a good value that a lender can easily sell without getting any hassle for the item left by the lender.

But don't always think about that you can get more than the value of the collateral you provide. It always lower down the value since the borrower is also making sure that he can get something like the same amount on what he provide or even he can earn more.

[YOSHIE]

What is considered a good collateral for a personal loan of less than $900/BTC for a duration of one month, in addition to other cryptocurrencies as collateral?

It's actually easy for you to understand in terms of loans and guarantees that you can give to members who want to borrow from you.

Example:
* You apply for a loan to the bank, of course they the bank will ask you for collateral such as land certificates, houses, bank accounts etc.

And so on, depending on who you apply for a loan, guarantees must exist, exceptions.

If I look at all of your collateral lists, none of them qualify as loans, they are all worthless to those who provide loans.

OP, because you want to apply for a crypto loan online, of course what you have to bring here as your collateral for other people is a type of crypto too, if you don't have it, your efforts will be in vain, no one wants to give you a loan.