Offering Loans from 0.01 to 0.1 BTC , 0.5% daily intrest, collateral, escrow OK

EDIT: I'm locking this thread and move the open loans to a new one
I will continue giving out loans, but decided to change most of the rules, and reserve the first 2-3 posts in order to make the thread cleaner....

I'm trying to make some revenue with the BTC that are sitting in my wallet, so i decided to offer small loans...

At the moment: BTC 0.09 available for loans <= check this first before asking for a loan, read the last posts to discover if there are other people asking for loans that are not already granted/denied to calculate if there is still some funds available
At the moment: taking loans between 0.01 and 0.1 BTC <= check this first before asking for a loan
Offering 0.5% intrest daily (compound), calculate the amounts you'll have to pay back HERE. Because of the transfer fee, the minimum intrest is 0.002
ONLY loans with collateral, raw collateral estimator HERE. I always give a LOW estimate to the value of your collateral: i'm giving out loans, i'm not a pawnshop. Collateral should be an incentive for you to pay back the loan, not an easy way to "sell" unwanted accounts or coins (Post from VOD about collateral, in case you have no idear what collateral is)
Escrow allowed, AND also strongly encouraged... I ONLY allow escrow services from THIS thread
it's your own choice wether or not you use escrow, as a general rule, you'll have to pay the escrow fee!!!
Let it be noted i'm selling your collateral as soon as you default your loan. If i get more from your collateral than estimated in this thread, i'm keeping the difference for my troubles
I reserve the right to deny any loan, for any reason (valid or invalid) any estimation i give for your collateral is take-it-or-leave-it.
NO PM, everything should be discussed in THIS thread
only pay back address is 1d92FUSg7wUafUi77R6yjUpZVhTMKpzuQ .Payments to other addresses might be fraudulent, and will be ignored!!!
i have a family and sleep from time to time... I'm online most business days between 7:00 and 16:00 GMT+1, no flaming or panicking if i'm not online during the weekend or less than 48 hours during the week
No negative trust will be given to loan defaulters that provided sufficient collateral. People that gave "fraudulent" collateral will be given negative trust (for example: accounts that got banned or got negative trust because of the previous owner's actions, but were offered as "clean" collateral)
early repayment is allowed, it saves on the compound intrest . Late repayment is not allowed, but can be negotiated in this thread as long as your collateral still covers the principal + compound interest
from now on, an md5 hash of the repayment table will be available upon request (generated using http://hash.online-convert.com/md5-generator)... I will generate the md5 hash, and ask a thirth party positive trust senior or hero member to quote the hash... This way, i cannot change the payment table without giving notice!

How to apply? an example:
Your name: John Doe
Amount: 0.05BTC
Duration: 6 days (loan taken on the 16th of june, payback on the 22th of june)
Payback: 0.052BTC
Collateral: 2 full member account, green trust, no bans, signed message available
Escrow: if approved, i will send the account details AND the escrow fee of 0.01BTC to Ognasty, asking him to review the validity of the account and change the passwords, i'll PM you 2 signed messages that prove the accounts belong to me, and are put up as escrow for a loan from you
If approved, send funds to : 1d92FUSg7wUafUi77R6yjUpZVhTMKpzuQ

OPEN LOANS

jokucoin
Date: 03/09/2015
Collateral: His account,junior member, neutral trust
Collateral helt by: me
Auto-defaults on: 18/09/2015
Amount: BTC0.01
Repayment schedule: fixed payment of 0.012
Payment proof: https://blockchain.info/tx/25f69bf807856664339a3b1136e52e90477712d082975273132270091d5ca0ce
Payback proof:
Md5 of schedule: none (fixed payment)

mocacinno
Date: 03/09/2015
Collateral: His account, full member, neutral trust
Collateral helt by: me
Auto-defaults on: 27/09/2015
Amount: BTC0.04
Repayment schedule: http://altcoinhosting.com/loantools/intrest.php?day=3&month=9&year=2015&amount=0.04&collateral=0.045&submit=calculate
Payment proof: https://blockchain.info/tx/5ac7369c8b1edf826019fd999e5a76556d8f2c0ef519f4e9ff69458b37ffb9b1
Payback proof:
Md5 of schedule: not asked

Bayuu
Date: 11/09/2015
Collateral: His account,Jr. member, neutral trust
Collateral helt by: me
Auto-defaults on: 03/10/2015
Amount: BTC0.01
Repayment schedule: fixed payment of 0.012
Payment proof: https://blockchain.info/tx/75c4fa98ded510198506c28de96e66b000e9bc38b5ecb0617bd8cd5e7685d100
Payback proof:
Md5 of schedule: none (fixed payment)

PAYED LOANS
mocacinno
Date: 17/07/2015
Collateral: His account, full member, neutral trust
Collateral helt by: me
Auto-defaults on: 28/08/2015
Amount: BTC0.025
Repayment schedule: http://altcoinhosting.com/loantools/intrest.php?day=17&month=7&year=2015&amount=0.025&collateral=0.03&submit=calculate
Payment proof: https://blockchain.info/tx/90919540752e7a75722ad4f52040d8e1ef419e255220186dd1e7974de411fb9e
Payback proof: https://blockchain.info/tx/1cab65a2ec01bc8e680f445c9c51c9a0c94322068baee794955f4d514e8be0a8
Md5 of schedule: hex: 62d9cb50a4e2945793133698def0407b

Bagus Tubagus
Date: 28/07/2015
Collateral: His account, junior member, neutral trust
Collateral helt by: me
Defaults on: 05/08/2015
Amount: BTC0.01
Repayment schedule: http://altcoinhosting.com/loantools/intrest.php?day=28&month=7&year=2015&amount=0.01&collateral=0.011&submit=calculate
Payment proof: https://blockchain.info/tx/c3b81b28a9a2ab7c37bb0484496810f73b724a8df524ca81c68610f7559722fb
Payback proof: https://blockchain.info/id/tx/f4378eb3f481bc3c33f3ea8c431ed23339a9c2e6c379599cd1fe4335cf90499c
Md5 of schedule: hex: aedd3d2549128812212a98b47a6ccc7c

Bagus Tubagus
Date: 31/07/2015
Collateral: His account, junior member, neutral trust
Collateral helt by: me
Defaults on: 08/08/2015
Amount: BTC0.01
Repayment schedule: http://altcoinhosting.com/loantools/intrest.php?day=31&month=7&year=2015&amount=0.01&collateral=0.012&submit=calculate
Payment proof: https://blockchain.info/tx/ecd60fb290df1f71f38566baae5118d68637e4d736c16e9631013382993fe19d
Payback proof: https://blockchain.info/tx/55d9a40e9162bfdffd1e58cbfe0f58ef1544f1419ef6b75ef593bb410288358c
Md5 of schedule: hex: 8bb2fecccf259e0d3d75fd890672d895

Bagus Tubagus
Date: 01/08/2015
Collateral: His account, junior member, neutral trust
Collateral helt by: me
Defaults on: 07/09/2015
Amount: BTC0.01
Repayment schedule: http://altcoinhosting.com/loantools/intrest.php?day=1&month=8&year=2015&amount=0.01&collateral=0.012&submit=calculate
Payment proof: https://blockchain.info/tx/ab94f35e5e1bd8e0784f14bd31695d1323f360bfd012656f1cb91f1c8e90773f
Payback proof: https://blockchain.info/tx/776735320f5522d9c1e74d3f3816194f78f0d1e30c127575884fb7277326c97d
Md5 of schedule: hex: 88fa657d65533ec6d8714d6db6a76002

Bagus Tubagus
Date: 01/08/2015
Collateral: His account, junior member, neutral trust
Collateral helt by: me
Defaults on: 08/08/2015
Amount: BTC0.01
Repayment schedule: http://altcoinhosting.com/loantools/intrest.php?day=1&month=8&year=2015&amount=0.01&collateral=0.011&submit=calculate
Payment proof: https://blockchain.info/tx/c3b81b28a9a2ab7c37bb0484496810f73b724a8df524ca81c68610f7559722fb
Payback proof: https://blockchain.info/id/tx/776735320f5522d9c1e74d3f3816194f78f0d1e30c127575884fb7277326c97d
Md5 of schedule: hex: 6202b6d4b2babe947dc0b045a392951d

Bagus Tubagus
Date: 04/08/2015
Collateral: His account, junior member, neutral trust
Collateral helt by: me
Defaults on: 08/08/2015
Amount: BTC0.01
Repayment schedule: http://altcoinhosting.com/loantools/intrest.php?day=4&month=8&year=2015&amount=0.01&collateral=0.011&submit=calculate
Payment proof: https://blockchain.info/tx/bc341ef80c5f04b48d2dbd0322a8d49643c7ba9d15261aba3a2d7b5ac9455872
Payback proof: https://blockchain.info/id/tx/987a813b8b864a5d8e64ec81dd0bd89e04e31965748806dade6e7ac480d45b0e
Md5 of schedule: hex: 6202b6d4b2babe947dc0b045a392951d

Bagus Tubagus
Date: 06/08/2015
Collateral: His account, junior member, neutral trust
Collateral helt by: me
Defaults on: 16/08/2015
Amount: BTC0.01
Repayment schedule: http://altcoinhosting.com/loantools/intrest.php?day=6&month=8&year=2015&amount=0.01&collateral=0.011&submit=calculate
Payment proof: https://blockchain.info/tx/35715788d0f4414ab49ffc583fb1b598c0fcebb7614d4a22a15616168b325395
Payback proof: https://blockchain.info/tx/773d6ee4e575b50afe1c63b2462f3b07e06d1d8bfb64f809e8618f751293711d
Md5 of schedule: hex: 6202b6d4b2babe947dc0b045a392951d

mocacinno
Date: 24/07/2015
Collateral: His account, full member, neutral trust
Collateral helt by: me
Auto-defaults on: 30/08/2015
Amount: BTC0.025
Repayment schedule: http://altcoinhosting.com/loantools/intrest.php?day=24&month=7&year=2015&amount=0.025&collateral=0.03&submit=calculate
Payment proof: https://blockchain.info/tx/a228766fdb1cd689dcb98362f85304ab675cdcc4ebe8544a410cfbb331ba36b3
Payback proof: https://blockchain.info/tx/b800aaa581294e526f0a574a7d96a0162c75e32f707243479ba27221a13e5bb5
Md5 of schedule: hex: 3900b661992ce6fd386f2ba7eb07f3a0

Bagus Tubagus
Date: 14/08/2015
Collateral: His account, member, neutral trust
Collateral helt by: me
Defaults on: 20/09/2015
Amount: BTC0.01
Repayment schedule: http://altcoinhosting.com/loantools/intrest.php?day=14&month=8&year=2015&amount=0.01&collateral=0.012&submit=calculate
Payment proof: https://blockchain.info/tx/580cd2ec7ea71a54fa9a16204b3f4729052a656196789f3335acae9b584eeff3
Payback proof: https://blockchain.info/tx/50e83602e71e226521306c7c5ac674a5fe43ed809f791159684d70c7b69e8008
Md5 of schedule: hex: de3c9ffdf38564b56029871f864226b1

Bagus Tubagus
Date: 21/08/2015
Collateral: His account, member, neutral trust
Collateral helt by: me
Defaults on: 29/08/2015
Amount: BTC0.015
Repayment schedule: fixed rate at 0.017
Payment proof: https://blockchain.info/tx/87a7ac4685194e88a119111d9d1fcd499cb5a1a2e4ab01a4798e31c0bf4f62ae
Payback proof: https://blockchain.info/tx/e730af14e8c084c75792a25a607eb1ceb64239674af7cc998cf73819da662f2e
Md5 of schedule: none (fixed payment)

mocacinno
Date: 21/08/2015
Collateral: His account, full member, neutral trust
Collateral helt by: me
Auto-defaults on: 27/9/2015
Amount: BTC0.025
Repayment schedule: http://altcoinhosting.com/loantools/intrest.php?day=21&month=8&year=2015&amount=0.025&collateral=0.03&submit=calculate
Payment proof: https://blockchain.info/tx/233bb48773bdc7c5eb1cc9230d25e04b357392a5e5081e1470d7443c4ae693dd
Payback proof: https://blockchain.info/tx/49b397ef1d5fe5580542289d104fea3809f00d50216d70855018d2bd0ef2f4bd
Md5 of schedule: hex: 63437e507271d553fc5593435dbac54b

Bayuu
Date: 24/08/2015
Collateral: His account,Jr. member, neutral trust
Collateral helt by: me
Auto-defaults on: 01/09/2015
Amount: BTC0.01
Repayment schedule: fixed payment of 0.012
Payment proof: https://blockchain.info/tx/42a01d099b0586c15d3a2384352b5b69d3a2ab6f4ea9da1c89223248c3985e82
Payback proof: https://blockchain.info/tx/36ada22a50df9a51bdcb1b6bc2c3c170405857ba542cb58b72c6ed91b0d85aa7
Md5 of schedule: none (fixed payment)

Bagus Tubagus
Date: 27/08/2015
Collateral: His account, member, neutral trust
Collateral helt by: me
Defaults on: 04/09/2015
Amount: BTC0.015
Repayment schedule: fixed rate at 0.017
Payment proof: https://blockchain.info/tx/f1e9f4093031c379c5d29a4e00530ab21f3c2111b0485e3e3703f22af9fcfc79
Payback proof: https://blockchain.info/tx/f0ba793c9f2c473b9a2e97d6b8399ea58f6941e1a7b94e082aa257b7205f1b97
Md5 of schedule: none (fixed payment)

Bayuu
Date: 28/08/2015
Collateral: His account,Jr. member, neutral trust
Collateral helt by: me
Auto-defaults on: 05/09/2015
Amount: BTC0.01
Repayment schedule: fixed payment of 0.012
Payment proof: https://blockchain.info/tx/92e3407c5b43ec4bd14434764712286d9805a3a9f47bbc6caa2bfe0a347774fe
Payback proof: https://blockchain.info/tx/b9ad419b195c7d6cdc8efe7233602164e7b7a8109c88c7cc50a8bcc76d6e00fe
Md5 of schedule: none (fixed payment)

Bagus Tubagus
Date: 03/09/2015
Collateral: His account, member, neutral trust
Collateral helt by: me
Defaults on: 18/09/2015
Amount: BTC0.015
Repayment schedule: fixed rate at 0.017
Payment proof: https://blockchain.info/tx/e79b027fc1507d274ecfd8dd78a5153dbf9e07452d097f4e34024aa9e7aec115
Payback proof: https://blockchain.info/id/tx/e1dbc03d78768d9e39b2fdaca8df73bcdeeee0aa5f543fb02d98da5e49155f8c
Md5 of schedule: none (fixed payment)

DEFAULTED LOANS WITH sufficient COLLATERAL
Note to people on the default trust: please dont -ve these accounts, even tough they defaulted: their collateral covered their loan, so as far as i'm concerned: the deal is/was OK!
--accounts removed in order to avoid getting negative trust on the collateral--

DEFAULTED LOANS WITHOUT sufficient COLLATERAL

I've tried several lenders here, but none of that helps,
whether here I can get a loan from you

Quote from: mocacinno on July 16, 2015, 02:39:17 PM

I've tried several lenders here, but none of that helps,
whether here I can get a loan from you

Sure i can give you a loan...
You want to give your account https://bitcointalk.org/index.php?action=profile;u=405464 as collateral?

You need to send your user/pass either to me, or to a trusted escrow (list). The escrow has to confirm that he changed your pass, so your account is locked for the duration of the loan. If you send your details to me, i'll lock your account for the duration of the loan. Escrow fees have to be payed by you...

A second this is, i need a signed message, showing your account hasn't been hacked. Please, sign a message like this "i am user mocacinno, giving this account as collateral to altcoinhosting on 17/07/2015" with a BTC address that is at least a couple months old. For example, the one used in this post https://bitcointalk.org/index.php?topic=818725.msg9941418#msg9941418

I value your address BTC 0.03, so i can give you a loan for 0.025... Rates can be found here: http://altcoinhosting.com/loantools/intrest.php?day=16&month=7&year=2015&amount=0.025&collateral=0.03&submit=calculate
If you need more (i do loans up to and including BTC0.07), i would need some more collateral. I take accounts, stable ALTcoins, torrent accounts that have sellable invites,... anything that can be sold quickly if you default

If you agree to these terms, and want a 0.025 loan, you can initiate the deal by signing a message, posting it on this thread, and signing over controll of your account to me or an escrow (i need the escrows confirmation). Clearly indicate the BTC address you want the funds to be sent to, preferably the same address used to sign the message...

ok deal ,https://bitcointalk.org/index.php?topic=963675.msg10543545#msg10543545 acc my old address

-----BEGIN BITCOIN SIGNED MESSAGE-----
<i am user mocacinno, giving this account as collateral to altcoinhosting on 17/07/2015" https://bitcointalk.org/index.php?topic=963675.msg10543545#msg10543545>
-----BEGIN SIGNATURE-----
<1NPxAaikDhifNff5wsf21ovn9ttJZtMgJ6>
<HMqCxguUrzgNhGFGa4S4QsjtPqniBQbCFGPMKXvRV1Uvd333hnwn9YimGn/n5ATHDzF66FLmAakHoiCXAG16aM0=>
-----END BITCOIN SIGNED MESSAGE-----

Quote from: mocacinno on July 16, 2015, 04:31:16 PM

Account mocacinno Verified

As soon as i receive a message from a trusted escrow that he/she has your account locked as collateral, or when i receive your account user/pass via PM, i'll send BTC 0.025 to 1NPxAaikDhifNff5wsf21ovn9ttJZtMgJ6

Repayment as soon as you see fit, with a maximum due date of 21st of august 2015 @ 0.5% daily compound intrest, following this table http://altcoinhosting.com/loantools/intrest.php?day=16&month=7&year=2015&amount=0.025&collateral=0.03&submit=calculate

so if I do not provide the password now, then the loan can not I receive?
must wait for the next day?

Quote from: mocacinno on July 16, 2015, 05:07:24 PM

so if I do not provide the password now, then the loan can not I receive?
must wait for the next day?

Hi, if you put up your account as collateral, either i, or a trusted escrow from this list: https://bitcointalk.org/index.php?topic=855778.0 must have complete controll of your account (ie: change the password). I'm afraid you'll have to make a temporary account and use that one as long as you dont repay your loan.

If you pay back the loan withing the given timeframe, either i or the escrow will change the password back, and give it back to you. If you do not pay back your loan, i can recuperate my financial loss by selling your account on the market... this is only possible if i or the escrow am holding your account.

So, basically, i only give you the loan once i'm convinced that either i, or a trusted escrow, is in complete controll of the account...

If i'm convinced me or the escrow have controll of your account, the BTC will be sent within a couple of hours (it's 19:13 here, so i'm soon going to call it a day. If i don't have the collateral by then, you'll have to wait untill 7:30 tomorrow morning). But basically: no collateral, no loan Wink

Quote from: mocacinno on July 16, 2015, 05:07:24 PM

so if I do not provide the password now, then the loan can not I receive?
must wait for the next day?

Since you didn't reply to my last post, i take it the deal is not going trough?

its ok deal ,What should I do now?

Quote from: mocacinno on July 17, 2015, 07:54:04 AM

its ok deal ,What should I do now?

Either send your account user/pass to me, or to a trusted escrow.

If you want to use an escrow (which is 100% fine by me), you have more certainty that i will not steal your account (since i don't have the user/pass => the escrow holds the user/pass)

A good list of trusted escrows can being found here; https://bitcointalk.org/index.php?topic=855778.0
Find somebody on the list that is online, and maybe offers his/her service for free.
Send them a PM and ask them if they are willing to hold your account in escrow for a loan i'm giving you, possibly include a link to this thread.
If they are fine with being an escrow, send them your user/pass, ask them to lock your account (change your password) and let them contact me with the message that they now hold your account
i'll send you the BTC as soon as the escrow PM's me
once you repay your loan + intrest, i contact the escrow, and he gives you your account back

if you trust me enough to give me your account details (you have no reason to trust me!!!)

send me your account's user/pass
i will lock your account (change the password) + send you the BTC
once you pay your loan + intrest back, i will unlock your account

just a word, when people "trust" you enough to let you hold the account rather than an escrow service, they tend to be account farmers who sell their account through the loan, and would not like to bother with an escrow service as that consumes time and may incur fees. just something to watch out for. always be sure to take a signed message from them stating that the account will be handed to you in the case of a default.

not saying that all borrowers are account farmers, but always keep that in the back of your head.

Quote from: subSTRATA on July 17, 2015, 08:59:11 AM

Thanks for the warning

mocacinno did sign one for me, he used an address i found in an old post, i verified it in electrum, and it should be OK:
-----BEGIN BITCOIN SIGNED MESSAGE-----
<i am user mocacinno, giving this account as collateral to altcoinhosting on 17/07/2015" https://bitcointalk.org/index.php?topic=963675.msg10543545#msg10543545>
-----BEGIN SIGNATURE-----
<1NPxAaikDhifNff5wsf21ovn9ttJZtMgJ6>
<HMqCxguUrzgNhGFGa4S4QsjtPqniBQbCFGPMKXvRV1Uvd333hnwn9YimGn/n5ATHDzF66FLmAakHoiCXAG16aM0=>
-----END BITCOIN SIGNED MESSAGE-----

Also, his account's password wasn't changed recently, which i also take as a good sign Grin

I do hope this is sufficient, since it's my first time giving out loans

Quote from: mocacinno on July 17, 2015, 09:23:50 AM

done ,check my PM Wink

I can pubicly confirm i now have mocacinno's account as collateral, i have changed his password to lock his account.

0.025BTC has been sent to 1NPxAaikDhifNff5wsf21ovn9ttJZtMgJ6
https://blockchain.info/tx/90919540752e7a75722ad4f52040d8e1ef419e255220186dd1e7974de411fb9e

once he has payed back the loan, with compound intrest of 0.5%/day, and a minimum of 0.002, i will change his password back to the one he sent me.

Loan repayment schedule:
http://altcoinhosting.com/loantools/intrest.php?day=17&month=7&year=2015&amount=0.025&collateral=0.03&submit=calculate

The loan will default on the 28th of august 2015, since the principal + intrest would be more than the collateral by then

I can confirm i got 0.027 back, so this corresponds to the loan repayment of mocaccino

https://blockchain.info/tx/1cab65a2ec01bc8e680f445c9c51c9a0c94322068baee794955f4d514e8be0a8

I'm going to unlock mocaccino's account right now (i'll put the user/pass back into place)

Can Mocaccino also verify everything went OK?

thank you for your cooperation and trust that we live here
thanks for help loan and unlock my account
Wink

EDIT: my collateral estimator now pulls all decent volume coin prices from poloniex in realtime.
Check how much your ALTcoins are worth as collateral here: http://altcoinhosting.com/loantools/collateral.php

Note: this is an estimator, some ALT's that have low trade volume on poloniex, but high volume on other exchanges might also do as collateral; new coins with a good trade volume but high risk might not be suited as collateral (even tough there show up in the estimator).

-----BEGIN BITCOIN SIGNED MESSAGE-----
<i am user mocacinno, giving this account as collateral to altcoinhosting on July 24, 2015, 07:26:46 AM>
-----BEGIN SIGNATURE-----
<1NPxAaikDhifNff5wsf21ovn9ttJZtMgJ6>
<G9GlqHHB4pwN3u4p8anF/FCYEx/YrjuL4ResHVrTSA6AGCXngRck1EaLLJkgbmiscFdfx0iYNyjm4v5A0hpdNT0=>
-----END BITCOIN SIGNED MESSAGE-----

public notice, i gave a loan of 0.025 to mocacinno
https://blockchain.info/tx/a228766fdb1cd689dcb98362f85304ab675cdcc4ebe8544a410cfbb331ba36b3

I now hold his account as collateral

I'm off for the weekend, and i come back to the office on monday. Then i can check for payback info