bitcoins and P2P lending

[deisik]

The most common collaterials, which I've found are:

> LinkedIn
> eBay
> Reddit
> Instagram
> Twitter
> BitcoinTalk
> Runescape
(online MMORPG games like WOW, which are easy to change, and difficult to recover)

Could we continue this list, and grow it? - it'd be very, very valuable to solving this problem.

Assuming you are talking about accounts or the like at those web sites, I wouldn't accept any account as collateral for a loan. 

I don't know about other forums and sites, but if I'm not mistaken, here, on BitcoinTalk, accounts can be openly sold and bought at auctions. I never participated in any of these, so I don't know the exact procedure how they are assessed, but if the assessments are real and accounts actually end up sold and bought for the auctioned price, there should be no particular difficulty in using a BitcoinTalk account as a collateral for a loan (with a good safety margin, of course)...

So if the borrower defaults, you just sell his account with or without discount and get done with that

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[Shady]

Peer to Peer lending with cryptocurrencies is one of the most riskiest ways to be using BTC.

There have been horror stories popping up around people losing, getting fraud as restitution or not recieving benefits to the fullest extent.

Taking collateral is nearly impossible at certain destinations, despite this even the USD lending platforms like Prosper or LendingClub have people decreasing people's net worth... Stick to the stock or bond market, the rates are tremendously similar.

[MONKEYJUNK]

The problem with lending is the colateral, since we can't trust none we depend of an colateral and it's hard to find good ones.

On the other side we can lend in sites like Poloniex however keeping your money on an exchange isn't safe, they can have some problem don't matter how good they are until now.

[pooya87]

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P2P lending is a great way to invest in talent, businesses and products. Its also a good method for passive income. How can we improve this, to provide more integrity and assurance both for the investor and investee?

these two are completely different or at least in my opinion they are.
lending is when you take a collateral and hand them the money without caring what the hell they are going to do with the money. so it can be gambling, burning it to get warm or using it in their own business. and the rate is also fixed so no matter if they earn 10 times or lose all you get fixed return.

but when you invest in someone else's business, talent or whatever you become a partner, there is no need for collateral and it is not lending. so it matters what they want the money for and your return is also based on how well they are doing.