Bitcoin Forum
September 24, 2018, 04:44:09 AM *
News: ♦♦ New info! Bitcoin Core users absolutely must upgrade to previously-announced 0.16.3 [Torrent]. All Bitcoin users should temporarily trust confirmations slightly less. More info.
 
   Home   Help Search Donate Login Register  
Pages: [1] 2 3 »  All
  Print  
Author Topic: Bitcoin p2p lending - Who is the best ? Give your review.  (Read 10079 times)
kapetan
Full Member
***
Offline Offline

Activity: 167
Merit: 100


View Profile WWW
April 06, 2015, 01:28:49 AM
 #1

There are some Bitcoin p2p lending services Give your review.

https://btcjam.com/ World's largest bitcoin peer to peer lending network. Where borrowers get great rates and Investors get great returns.
https://bitlendingclub.com/ BitLendingClub is the one-stop international Bitcoin crowd-lending platform
https://www.bitbond.com/ Bitcoin p2p lending ✓ Earn interest with bitcoin lending ✓ Small business loans for ebay sellers ✓ Bitcoin loans ✓

https://www.pure-central.com/ Cryptocurrency service Pure-Central has just announced the creation of the first multi-currency P2P (person-to-person) lending and trading
https://btclend.org/btc/ Trusted BTC and XPY Lending. Safe Personal Bitcoin and Paycoin loans and lending investments for ZenCloud Members.

https://tether.to/ A more modern approach to money. The legacy financial system was not built for the internet, Bitcoin technology was.
https://www.bityes.com/ BitYes Launches USD/Bitcoin Margin And P2P Lending



1. BTCjam: Mining and trading loan #4 https://goo.gl/rwj84u , 2. Scrypt.cc Cloud Mining with 120 Days ROI http://goo.gl/LXomWh ,
3. Haas Bot Trade your Cryptos http://goo.gl/unM0TF , 4. Bitgold Invest to BTC & Gold http://goo.gl/7T3K6O
Advertised sites are not endorsed by the Bitcoin Forum. They may be unsafe, untrustworthy, or illegal in your jurisdiction. Advertise here.
1537764249
Hero Member
*
Offline Offline

Posts: 1537764249

View Profile Personal Message (Offline)

Ignore
1537764249
Reply with quote  #2

1537764249
Report to moderator
1537764249
Hero Member
*
Offline Offline

Posts: 1537764249

View Profile Personal Message (Offline)

Ignore
1537764249
Reply with quote  #2

1537764249
Report to moderator
1537764249
Hero Member
*
Offline Offline

Posts: 1537764249

View Profile Personal Message (Offline)

Ignore
1537764249
Reply with quote  #2

1537764249
Report to moderator
kapetan
Full Member
***
Offline Offline

Activity: 167
Merit: 100


View Profile WWW
April 06, 2015, 01:35:22 AM
 #2

some reviews soon here

1. BTCjam: Mining and trading loan #4 https://goo.gl/rwj84u , 2. Scrypt.cc Cloud Mining with 120 Days ROI http://goo.gl/LXomWh ,
3. Haas Bot Trade your Cryptos http://goo.gl/unM0TF , 4. Bitgold Invest to BTC & Gold http://goo.gl/7T3K6O
Mooncoins.com
Newbie
*
Offline Offline

Activity: 4
Merit: 0


View Profile WWW
April 06, 2015, 06:35:16 PM
 #3

www.bitcoinloans.com
Somekindabitcoin
Hero Member
*****
Offline Offline

Activity: 518
Merit: 500



View Profile
April 06, 2015, 06:41:02 PM
 #4


First off, don't talk to brand new users who join the forum probably to post something leading to a scam.

2nd of all, I've only really heard anything about btcjam. I recommend them.
kapetan
Full Member
***
Offline Offline

Activity: 167
Merit: 100


View Profile WWW
May 07, 2015, 03:37:42 PM
 #5

BTCjam: Mining Contracts expansion and trading loan #4
https://btcjam.com/listings/42385-mining-contracts-expansion-and-trading-loan-%234
http://invest2scryptcc.blogspot.com

https://btcjam.com/users/33964


1. BTCjam: Mining and trading loan #4 https://goo.gl/rwj84u , 2. Scrypt.cc Cloud Mining with 120 Days ROI http://goo.gl/LXomWh ,
3. Haas Bot Trade your Cryptos http://goo.gl/unM0TF , 4. Bitgold Invest to BTC & Gold http://goo.gl/7T3K6O
Muhammed Zakir
Hero Member
*****
Offline Offline

Activity: 560
Merit: 504


I prefer Zakir over Muhammed when mentioning me!


View Profile WWW
May 07, 2015, 03:47:02 PM
 #6

BitLendingClub is the one I liked the most.

kapetan
Full Member
***
Offline Offline

Activity: 167
Merit: 100


View Profile WWW
May 09, 2015, 03:53:02 PM
 #7

BTCJam - Peer to Peer Bitcoin Lending
http://btcjam.blogspot.com

1. BTCjam: Mining and trading loan #4 https://goo.gl/rwj84u , 2. Scrypt.cc Cloud Mining with 120 Days ROI http://goo.gl/LXomWh ,
3. Haas Bot Trade your Cryptos http://goo.gl/unM0TF , 4. Bitgold Invest to BTC & Gold http://goo.gl/7T3K6O
minerbobbert
Member
**
Offline Offline

Activity: 156
Merit: 10


View Profile
May 09, 2015, 04:31:21 PM
 #8

I am familiar with BTCPop, BTCJam, and Bitlendingclub (BLC). I love the concept of peer to peer lending as a way of disrupting traditional banking, and I love bitcoin. The two ideas work beautifully together - although unfortunately I don't think any company out there is doing it right yet. For example, loans are supposed to be tied to an interest rate, so that the sooner you repay the less interest you pay. This occurs with all traditional commercial debt, from mortgages to car loans to credit cards. All the bitcoin platforms, on the other hand, only calculate the debt over the term of the loan as a lump sum, so if you pay late or early it doesn't matter - you pay the same interest. So, for just one example, it makes no sense to refinance any debt to a lower interest rate. I'm hoping they do away with that soon or a competitor pops up which does. Peer to peer lending thrives on markets and it needs those options to be there.

BLC is the best of what is out there, in my opinion.

BTCJam is the largest platform so far, and the interface is nicer. They also have the market to sell notes for active loans, which is good. It allows a quick profit turnaround or ability for people to buy up defaulted debt to collect on it. However they seem to be doing everything they can to drive away legitimate borrowers. A few gripes in no random order:

1) bad customer service - check out the threads in https://btcjam.uservoice.com/forums/175861-general and see for yourself. Many of these ideas are completely ignored by management. Even worse, some of them are responded to as being high priority and yet no action has been taken on them for over a year.

2) They take their cut out as soon as the loan funds. This incentivizes volume in getting loans funded without emphasis on people who actually repay. BLC on the other hand, takes a cut each time someone makes a payment so their incentive is right in line with keeping defaults low.

3) Their recent changes are all changes for the worse, in my opinion. For example, they fix the interest rate based on their in-house credit scoring. As a lender, I can't ask for more for someone I find is higher risk, and as a borrower I can't ask for less. BLC uses a market mechanism to find the interest rate - and since markets are the principle behind which p2p lending works, that just makes more sense... BLC isn't immune from this (they recently capped their loan terms to 270 days to help prevent defaults) but overall BTCJam just seems to me to be continually dis-improving.

BLC on the other hand has the interest rate price discovery mechanism, which I think is the best format for a loan market. If they added in the flexible loan terms and real APR interest amortization it would be perfect. They also seem to be taking more efforts to stop scammers and are WAY more responsive to customer feedback. You can post on their forums and the CEO usually responds within a day or so. Much better, in my opinion, and more importantly - they look like they are on the right track to getting better rather than getting worse.

BTCpop is good - I like their innovation of a default insurance to help prevent loss, but so far they are way to small to operate. They only have active 31 listings at the time of this posting, for example. I also don't like that you have to register for an account in order to browse the listings. It makes it look like they are hiding something.

For all of them, there are no legitimate bitcoin collection agencies, and as far as I am aware no defaulted loans have ever been successfully collected on by outside companies. This means you are gambling to an extent on the loans you fund. I'm in the game until the day that collection companies arise - then I think it will go more mainstream.

Your best bet if you want to see the difference between the platforms is simply to start using all of them and see which you prefer. That's the best way, in my opinion. If you are willing, you can use this link (https://bitlendingclub.com/invite/aqorlx) to sign up the BLC account - its a referral link so I will get a scant 0.2% of any loan you take out. Good luck! Let me know if you have any other questions.
jdebunt
Legendary
*
Offline Offline

Activity: 1428
Merit: 1000

Freelance Bitcoin / Blockchain / FinTech Writer


View Profile WWW
May 09, 2015, 04:32:51 PM
 #9

The one that is "best" depends on personal preference I guess, as they all carry the same risks
kapetan
Full Member
***
Offline Offline

Activity: 167
Merit: 100


View Profile WWW
May 12, 2015, 09:51:35 AM
 #10

A good borrower pays his payments on time
A good borrower pays his payments early
A good borrower pays his payments now

an example
15btc 90 days term loan weekly payments of 13 x 1,26155727 btc
 total 38 days early payment

https://btcjam.com/users/33964
the loan is this one
https://btcjam.com/listings/36923-mining-contracts-expansion-and-trading-loan-%233
http://gyazo.com/f24de1d74682aad2db01528bc7d2c308

1. BTCjam: Mining and trading loan #4 https://goo.gl/rwj84u , 2. Scrypt.cc Cloud Mining with 120 Days ROI http://goo.gl/LXomWh ,
3. Haas Bot Trade your Cryptos http://goo.gl/unM0TF , 4. Bitgold Invest to BTC & Gold http://goo.gl/7T3K6O
jdebunt
Legendary
*
Offline Offline

Activity: 1428
Merit: 1000

Freelance Bitcoin / Blockchain / FinTech Writer


View Profile WWW
May 12, 2015, 12:12:41 PM
 #11

A good borrower pays his payments on time
A good borrower pays his payments early
A good borrower pays his payments now

an example
15btc 90 days term loan weekly payments of 13 x 1,26155727 btc
 total 38 days early payment

https://btcjam.com/users/33964
the loan is this one
https://btcjam.com/listings/36923-mining-contracts-expansion-and-trading-loan-%233
http://gyazo.com/f24de1d74682aad2db01528bc7d2c308


Unfortunately those kind of people are rather an exception than common.
kapetan
Full Member
***
Offline Offline

Activity: 167
Merit: 100


View Profile WWW
May 12, 2015, 12:17:22 PM
 #12

We all have to choose out path
its simple
you want to make money only for your self even you scam others, only looking for your self ?
or
you want to be honest and thrive, making money for you and many other with you?

every day we must choose what path we will take .

1. BTCjam: Mining and trading loan #4 https://goo.gl/rwj84u , 2. Scrypt.cc Cloud Mining with 120 Days ROI http://goo.gl/LXomWh ,
3. Haas Bot Trade your Cryptos http://goo.gl/unM0TF , 4. Bitgold Invest to BTC & Gold http://goo.gl/7T3K6O
dog1965
Sr. Member
****
Offline Offline

Activity: 392
Merit: 250



View Profile
September 12, 2015, 05:40:13 PM
 #13

We all have to choose out path
its simple
you want to make money only for your self even you scam others, only looking for your self ?
or
you want to be honest and thrive, making money for you and many other with you?

every day we must choose what path we will take .


that's why you have a red -2 under your trust rating that also says trade with extreme caution please stop scamming people. I am wondering how many user names you have.

coldblooded
Newbie
*
Offline Offline

Activity: 51
Merit: 0


View Profile
March 10, 2016, 02:41:21 AM
 #14

BTCPOP stole my deposit.  They won't let me withdraw the coins I deposited earlier today.  The customer service rep said I could withdraw but that I had 2 accounts and I was in big trouble for that.  I do not have 2 accounts, and they have no proof of such a thing and if they did, what right does that give them to steal my money?   

Do not trust BTCPOP!   They blatently stole my BTC for no reason and make up false accusations that are completely baseless as justification to withhold my BTC!

How does making more than one account justify stealing my money, and the worst part, I DID NOT MAKE MORE THAN ONE ACCOUNT! 

Amount stolen from me by BTCPOP today:   0.16BTC STOLEN
cesmak
Legendary
*
Offline Offline

Activity: 978
Merit: 1001



View Profile
March 10, 2016, 07:13:50 AM
 #15

BTCPOP stole my deposit.  They won't let me withdraw the coins I deposited earlier today.  The customer service rep said I could withdraw but that I had 2 accounts and I was in big trouble for that.  I do not have 2 accounts, and they have no proof of such a thing and if they did, what right does that give them to steal my money?   

Do not trust BTCPOP!   They blatently stole my BTC for no reason and make up false accusations that are completely baseless as justification to withhold my BTC!

How does making more than one account justify stealing my money, and the worst part, I DID NOT MAKE MORE THAN ONE ACCOUNT! 

Amount stolen from me by BTCPOP today:   0.16BTC STOLEN

I'm on POP by one year and didn't have any problem, deposited, withdrawed, invested, loosed money in scammers, earned money in good borrower, all my submitted ticked (in this year) received an answer and a solution....

CoinEnthusiast
Member
**
Offline Offline

Activity: 67
Merit: 10


View Profile
March 10, 2016, 10:45:58 AM
 #16

BTCPOP stole my deposit.  They won't let me withdraw the coins I deposited earlier today.  The customer service rep said I could withdraw but that I had 2 accounts and I was in big trouble for that.  I do not have 2 accounts, and they have no proof of such a thing and if they did, what right does that give them to steal my money?   

Do not trust BTCPOP!   They blatently stole my BTC for no reason and make up false accusations that are completely baseless as justification to withhold my BTC!

How does making more than one account justify stealing my money, and the worst part, I DID NOT MAKE MORE THAN ONE ACCOUNT! 

Amount stolen from me by BTCPOP today:   0.16BTC STOLEN

I'm on POP by one year and didn't have any problem, deposited, withdrawed, invested, loosed money in scammers, earned money in good borrower, all my submitted ticked (in this year) received an answer and a solution....

I've been on there quite some time as well now. Never had an issue. Chances are if he was told that then he does, or someone was scamming on the same IP as him. Never had any issues with pop.
Valareos
Member
**
Offline Offline

Activity: 279
Merit: 10

BitSong is decentralized music streaming platform.


View Profile
March 10, 2016, 10:49:13 AM
 #17

BTCPOP stole my deposit.  They won't let me withdraw the coins I deposited earlier today.  The customer service rep said I could withdraw but that I had 2 accounts and I was in big trouble for that.  I do not have 2 accounts, and they have no proof of such a thing and if they did, what right does that give them to steal my money?   

Do not trust BTCPOP!   They blatently stole my BTC for no reason and make up false accusations that are completely baseless as justification to withhold my BTC!

How does making more than one account justify stealing my money, and the worst part, I DID NOT MAKE MORE THAN ONE ACCOUNT! 

Amount stolen from me by BTCPOP today:   0.16BTC STOLEN

Never had any trouble with POP in the slightest, in fact their system is by far the best of the Big 3 (POP/JAM/LB)  I enjoy the fact I can make partial payments, which allows me to take advantage of monthly due dates but making weekly payments... Setting own interest rate, oh and the collateral system is top notch!

Yes its a bit harder to get fundeed on POP, but I usually offer any new person the same advice I give you here.

1. Buy shares on POP.. POP, ARD, MINE are best ones and most secure.
2. Get a collateral loan (borrow only up to what your shares are worth)
3. Use funds to buy more shares.
4. Pay off loan as normal
5. Go back to step 2, but now you can borrow more.

This is a great way of getting known by community, getting funded, and allows you to borrow the funds you will need eventually while protecting investors.  On POP, this method is most appealing to investors.  Bonus is you prove you can make payments, AND you still got the collateral there if you ever decide to just sell it and move on Smiley

BITSONG  ▌ THE FIRST DECENTRALIZED MUSIC STREAMING PLATFORM
▅ ▉ ▇ ▃ ▅   THE NEW MUSIC STREAMING ERA   ▅ ▃ ▇ ▉ ▅   PUBLIC SALE is LIVE
[ Telegram ➭ ChannelGroup ]   Whitepaper   Facebook   Twitter   Github   Medium   ANN
w00dface
Newbie
*
Offline Offline

Activity: 49
Merit: 0


View Profile
March 10, 2016, 11:03:50 AM
 #18

BTCPOP stole my deposit.  They won't let me withdraw the coins I deposited earlier today.  The customer service rep said I could withdraw but that I had 2 accounts and I was in big trouble for that.  I do not have 2 accounts, and they have no proof of such a thing and if they did, what right does that give them to steal my money?   

Do not trust BTCPOP!   They blatently stole my BTC for no reason and make up false accusations that are completely baseless as justification to withhold my BTC!

How does making more than one account justify stealing my money, and the worst part, I DID NOT MAKE MORE THAN ONE ACCOUNT! 

Amount stolen from me by BTCPOP today:   0.16BTC STOLEN

Hi,

Your account was locked for review due to you having multiple accounts and making threats to kill in our chatroom. You was informed of this.

Once this review has been completed (to ensure you do not have any further accounts that are over due or borrowing) we will release you BTC for withdrawal

Regards
Lee Bartholomew
CEO- BTCPOP
idaholic
Member
**
Offline Offline

Activity: 72
Merit: 10


View Profile
April 30, 2016, 03:32:51 AM
 #19

Hello @w00dface --- I am currently having troubles signing in through btcpop.co the site keeps redirecting me on the first page. Is there any problem w/ the site. I am @idaholic

Two rules for sucess:

1. Do not tell anyone!
cesmak
Legendary
*
Offline Offline

Activity: 978
Merit: 1001



View Profile
April 30, 2016, 08:12:39 AM
 #20

Hello @w00dface --- I am currently having troubles signing in through btcpop.co the site keeps redirecting me on the first page. Is there any problem w/ the site. I am @idaholic

Just and advice... Better if you open a ticket trough the support chat on the login page specially if you asked to participate to the beta testing, me too yesterday evening unable to log-in but now solved by support

Cheers

Pages: [1] 2 3 »  All
  Print  
 
Jump to:  

Sponsored by , a Bitcoin-accepting VPN.
Powered by MySQL Powered by PHP Powered by SMF 1.1.19 | SMF © 2006-2009, Simple Machines Valid XHTML 1.0! Valid CSS!