idev's Short-Term Micro Loan Service | Collateral is Mandatory!

I'm providing short-term micro Bitcoin loans for eligible BCT members.

Quote

Borrow Any Amount Up To: BTC0.11

Loan Applicant Requirements:
1. You must be a Member, Full Member, Senior, Hero or Legendary Member with Neutral or Positive trust.
2. Signed message from a publicly posted address 3 months old or older.
3. Valid Collateral is mandatory, which will be held by myself or by a third-party escrow service. If escrow is used you will pay any fee's or charges due.
3. Collateral should be above the actual loan amount (Approximately 114.00% or more of the loan principal).
4. Applicants should submit loan applications in this very thread and not through BCT PM.

Maximum Loan Duration:
All loans can be taken out for a maximum period of 7 calendar days only.

Loan Interest Rate:
All loans are subject to non compounding interest ranging from 0.09 - ∞% applied daily until the end of the loan duration.

Late/Non Repayment / Default Clause:
If more than 2 days has passed after the due date without contact, your loan will be marked as defaulted and your collateral (if any) will be sold/kept by me. If I get more BTC from selling the collateral than the loan amount, I will keep the excess. Late repayments without contact will incur a 1.00% penalty interest applied daily and compounded.

Acceptable Collateral:
I accept stable altcoins with a high volume as collateral. The value of these coins should be at least 114.00%+ of the loan amount, but it depends. Bitcointalk.org accounts are also accepted, but not always. I won't accept accounts that are under Full Member/Pot. Full Member. I don't accept physical collateral, and most other types of digital collateral. Feel free to ask if you aren't sure.

Apply for a loan using the format below:

Code:

[b]BCT Username:[/b]
[b]Loan Purpose:[/b]
[b]Loan Amount:[/b]
[b]Loan Collateral:[/b]
[b]Your BTC Address:[/b] 
[b]Total Loan Amount Repayable:[/b]
[b]Loan Repayment Date:[/b]

Loan Repayment Addresses:

Quote

-----BEGIN BITCOIN SIGNED MESSAGE-----
This is bitcointalk.org Member: idev Todays Date: 19/06/2016

These are the official Loan Repayment Addresses:
1LRA1pc1XxBRLTZnZkpXouWhyDibQoP5r7
1LRA2QrEWsQwZ3YQR7Pwncj465kth76Dsj
1LRA31ByinMzAh5SCuTxoVWwJUBahHFfgA
1LRA4qHQzNFDcRtxo56T2zWdcyQjKhW1ow
1LRA5UqXDfCiJFz3mLr9dykgnTtWnEQirK

I will always provide a PGP or Bitcoin signed message specifying which address you should send your loan repayment to.
I highly recommend you always verify signed messages before making loan repayments to ensure my bitcointalk.org account has not been compromised.
-----BEGIN SIGNATURE-----
1idev1vktD8RXs8KHmQqNNmB2TGBCUkSb
G1apjkeZkdl7VQ4zvrMZOj+IgWu9eTbCAmrlMUqfoODFNperJ6QE9rZS9Qk+n7Evz5kazolNFtaYtTHjcfkQ5Jc=
-----END BITCOIN SIGNED MESSAGE-----
Verify Signed Message Online or with your own client.

Signed Message Format

Code:

This is bitcointalk.org Member: YOUR_USERNAME. Today's date is: TODAYS_DATE. I'm applying for a loan from bitcointalk.org Member: idev. I'm using my bitcointalk.org account: YOUR_USERNAME as collateral. I bitcointalk.org Member: YOUR_USERNAME fully agree to the Terms & Conditions as stated in: http://bit.ly/idev_loan_op

Public Loan Ledger

Code:

https://docs.google.com/spreadsheets/d/1GEZfuwgfTPK50Qy26dQl0RoyRbGN9PiUn6cy0beAplM/pubhtml

My PGP Public Key

Code:

-----BEGIN PGP PUBLIC KEY BLOCK-----
Version: GnuPG/MacGPG2 v2.0.17 (Darwin)
Comment: GPGTools - http://gpgtools.org

mQENBFdkQDcBCADHV0SSgd6CcOdikukbO2jkevldC+xGIkEDZictbyInSx/o4Jwu
ORIW+8PoFas7i15Fx+CGTD418843mBL3saDdsApP6SnhksVvHCCB4aDGS5O/F10V
ARLQgtbqtZYow+VX+6VWmlPiIXwkJ7Bq5ciqWTeueTjygPzCCJQbiyoPRl+Z3Tev
umOCOxfpIcH6QsjEhVvWPybQy8jdhV5YFQbMoIzUp2DlLlWTRErsm4Moq4KPB/Td
FczjMNap5AbI4lJQmhQfUT6tgX8KKFN5M5D8lWLsdo2EN9Oxd1gu7YImmo3ZSXdO
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dHV0YS5pbz6JATgEEwECACIFAldkQDcCGy8GCwkIBwMCBhUIAgkKCwQWAgMBAh4B
AheAAAoJEOeU3OJY4U0I0UsIAI8NQcbFLcSHw4dKDDxWBPhkay0gN/+iWZO7uOGU
sQ2kj9n/SwIov0zePZB9aemD8UR8RXAGvQwawzmfAdZrtCtxc5ylP5304diG5SEq
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1QIqhxrzoQzc5tAMGIIIeStkG/jlaUr6VixP9jc/uT2ZkEu5AQ0EV2RANwEIALQF
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ZZ4NSFZ36ZS5Fd/lI9j6R2NVxNr71gtkHL7FGyEkJihux5nRH4ns0nFb1WbM1ThH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=KGcb
-----END PGP PUBLIC KEY BLOCK-----

Terms and Conditions:

Code:

I reserved the sole right to deny or approve any loan request at my sole discretion, even if you have sufficient collateral. All loans can be taken out for a maximum period of 7 calendar days only and are subject to a non compounding interest ranging from 0.09 - ∞% applied daily until the end of the loan duration. If more than 2 days have passed after the due date without contact, your loan will be marked as defaulted and your collateral (if any) will be sold/kept by me. If I get more BTC from selling the collateral than the loan amount, I will keep the excess. Late repayments without contact will incur a 1.00% penalty interest applied daily and compounded. I won't provide a loan to you if you already have an active loan at the time of applying. I reserved the sole right change or modify available loan amounts, interest rates and or these terms at my sole discretion. Any changes or modifications will only be applicable to new loans, not current ones. By taking a loan from me, you fully agree to these terms and conditions.

ChangeLog:

Code:

*Interest rates lowered, terms and conditions modified. - 05/05/2016
*Typo's Fixed - 04/07/2016
*Signed message template modified. -  30/06/2016
*Bold formatting added to form. -  23/06/2016
*Loan ledger modified. - 21/06/2016
*Maximum loan amount increased. - 20/06/2016