[th3nolo]

Maybe it's a little more difficult especially for those who want to start, but I think if there is still honest people that we can lend bitcoins.

I Lend and small amount in btcjam and the guy is doing very well always pays.
But I see a lot of newbies who want bitcoin whithout collateral of something and being dickhead when you ask for collaterals.

Is hard for those who make money with this business but is still alive.

[The Sceptical Chymist]

I don't know if it's dead and don't care all that much.  Lending is a super-risky business, and if you've spent any amount of time in the lending section of bitcointalk, you'll become very aware that scammers have taken over this place like termites.  I probably wouldn't lend bitcoin again if you had a gun to my head.  Or at least if I got proper collateral and knew the borrower.  For those who do this, good luck.  You're going to need it, suckers.

[shinratensei_]

bitcoin P2P lending still not dead.Its very hard to trust someone now.So many scammers here and there now.perfect collateral is the best solution for this business.I think p2p loan business need alive for people because we need it.

So, can you give example for perfect collateral?
I've seen scammer dare to loan bitcoin and give altcoin/good bitcointalk.org account and they still run with the bitcoin.

so what if they run! as long as you are holding the valid and valuable collateral you have nothing to worry about, you liquidate that collateral and take back your money and profit that was promised.
in some cases you can gain even more if you have taken a real good collateral, for example some people take altcoin + 10% more value but the profit is not even 10% so that would be more profit for them than they could gain if the loan was paid.

I doubt scammer will give real good collateral and i doubt it's enough for the lenders to get profit.
In worst scenario, the lender might suffer losses even after sell collateral items.

Those websites just turned into a scam projects stealing bitcoin for the newcomers, making them giving up off bitcoin, but this forum is atleast trying to work a solution, the famous colateral.

I think no about the site but yes for the users, a lot of lending users is a scam just offering for getting lending without a collateral... so p2p has already died for me and the best lending site is still alive it's just this forums.

[mastica]

I do believe at bitcointalk the people which lend are acting on the best direction, thats is helping others, and requesting a colateral to avoid loose bitcoins, something the p2p websites dont care as they take their fees. I dont know if people still use those websites, but i do know scammers use that to steal any ammount of bitcoins.

[Wind_FURY]

If P2P lending is facilitated online then the collateral has to be digital products or goods. The problem is what would make sense to use as collateral? It is very ironic because the only digital entity that will have no problems for a person to hold is already Bitcoin. Also to be honest I would not be willing to lend my Bitcoin to someone else unless the collateral is something physical like a watch or some sort of jewelry. Of course as a lender a person must protect himself at all times.
 
If someone can figure out what digital good or product can be used as collateral that someone will have a successful P2P lending idea.

[davis196]

As we know, bitcoin P2P used to be great, people could lend their money with low risks.
These days, people hates it because there's many scammer around even there's reputation system, identity verification and collateral as well.

So, do you think bitcoin P2P lending is dead? I think it's pretty dead and i hope people stop use this till there's effective way to prevent scammer.

First,the risks aren`t low.They are always high,when it comes to P2P lending.

Maybe P2P lending still works for micro loans,not for the big loans.

It`s a good business idea,but scammers will always try to ruin every good business.