rafsoaken's zero collateral reputation loans

[rafsoaken]

As it seems the community is very harsh to people looking for reputation loans I want to offer my support.
(The funds for these loans come from my personal address at 1MHXKGyh1JEFRgbhHqFJXjWetCcaFLr7cX, which holds currently 1.92BTC).

I will give out 0.1BTC loans to forum members that do not require collateral. This is an opportunity to you to earn reputation
and interact with the community.

However, I will require you to have a couple meaningful posts and at least 1 or 2 trust ratings (and no negative trust ratings).
If you take the loan you agree to pay back 0.115BTC after 7 days. The interest is my compensation for risk.

To insure you have access to funds at all, I will require you to send 0.005BTC first to an address I give you. Once received I send the 0.1BTC loan.
(this means it is effectively a 0.995 0.0995BTC loan)

After at most 7 days, you either pay back and will get a positive trust rating for a "0.1 reputation loan", or a red "0.1BTC scam artist" one, if you default on the loan.
Simple.

I will reserve the right to deny the loan for any reason.

Edit: All requests are to be made here in the thread. And before you tell me that what I am doing is risky, I am well aware of that.
Edit2: To speed up the requests, pick the next empty wallet address and send the loan request 0.005BTC to.
Post in the thread that you sent it, next to a refund address that I can use for a refund if the loan is not granted.

Loan request addresses, use only if unused, and post in the thread:

14Ay68L1665Ae3UishNu2rqMLNZxPLoBRc
loan1    Label  
1PTrx9HJR1EoteBJ1GacG3ZMhjeTw64svL
loan2    Label  
15Q48weR3JX4cYgx19LoLkKkfJp2pge4tp
loan3    Label  
16wKspedC998DTkf2pcrYs13S2DUd86wEg
loan4    Label  
1Na3m78buiow3S6q5P8oDZUN3T1HhRgz9s
loan5    Label  
12XGogYQR24piHe8qCLooy9VTsAercMZ3U
loan6    Label  
1Abc3ZdtSmSCfEBuL7ytXJwQh3m5LvaYCj
loan7    Label  
1C1bn5HNqnfHYAyMWELBz57x7WJ2E3Bhcp
loan8    Label  
158qyzHK5wRKppq7gd9VLX6SH98JoYSFo5
loan9

[1715148042]

1715148042

[1715148042]

1715148042

[AlexC]

How can it effectively be a 0.995BTC loan?

And what if you did not give the loan, do you pay back the 0.005BTC then?

/AlexC

[rafsoaken]

How can it effectively be a 0.995BTC loan?

And what if you did not give the loan, do you pay back the 0.005BTC then?

/AlexC

Fixed, of course that should have read 0.0995.

Yes, I will pay back the 0.005BTC if you have already paid and I turn your loan request down.

[monbux]

How can it effectively be a 0.995BTC loan?

And what if you did not give the loan, do you pay back the 0.005BTC then?

/AlexC

Fixed, of course that should have read 0.0995.

Yes, I will pay back the 0.005BTC if you have already paid and I turn your loan request down.

Why not first claim if you accept or decline the loan request before the user sends?
Just let them sign a message or something?  Easier, faster, and you both win.
I don't need a loan from you, but this is probably currently the best micro lending topic.

BE CAREFUL.  No collateral = newbies will try to scam.  I've seen hero members and SR members scam too, so be careful man.

[rafsoaken]

How can it effectively be a 0.995BTC loan?

And what if you did not give the loan, do you pay back the 0.005BTC then?

/AlexC

Fixed, of course that should have read 0.0995.

Yes, I will pay back the 0.005BTC if you have already paid and I turn your loan request down.

Why not first claim if you accept or decline the loan request before the user sends?
Just let them sign a message or something?  Easier, faster, and you both win.
I don't need a loan from you, but this is probably currently the best micro lending topic.

BE CAREFUL.  No collateral = newbies will try to scam.  I've seen hero members and SR members scam too, so be careful man.

I think it's best to just send the 0.005BTC and have me send the loan right after I see your post and transaction confirmation. That is 2 posts.
If however you first apply, then I grant, then you post transaction details, then I confirm, that is 4 posts thus double the effort and double the wait.
Also I prefer 0.005BTC over a signed message.

For the risk, I'll see how it goes - I doubt that hero members would take a 0.1BTC loan or that they would scam me for that amount.
For newbies however I will try my best to weed out the scammy requests...

[monbux]

How can it effectively be a 0.995BTC loan?

And what if you did not give the loan, do you pay back the 0.005BTC then?

/AlexC

Fixed, of course that should have read 0.0995.

Yes, I will pay back the 0.005BTC if you have already paid and I turn your loan request down.

Why not first claim if you accept or decline the loan request before the user sends?
Just let them sign a message or something?  Easier, faster, and you both win.
I don't need a loan from you, but this is probably currently the best micro lending topic.

BE CAREFUL.  No collateral = newbies will try to scam.  I've seen hero members and SR members scam too, so be careful man.

I think it's best to just send the 0.005BTC and have me send the loan right after I see your post and transaction confirmation. That is 2 posts.
If however you first apply, then I grant, then you post transaction details, then I confirm, that is 4 posts thus double the effort and double the wait.
Also I prefer 0.005BTC over a signed message.

For the risk, I'll see how it goes - I doubt that hero members would take a 0.1BTC loan or that they would scam me for that amount.
For newbies however I will try my best to weed out the scammy requests...

I've seen a senior member scam for a few LTC
Perhaps you can allow collateral if they are newbies

[rafsoaken]

I've seen a senior member scam for a few LTC
Perhaps you can allow collateral if they are newbies

Well, I don't prohibit giving collateral , but if I require it people will come and ask why they should take my loan when they can take out one of the 0% loans with 120% collateral. I think that scammers are already afraid to send me 0.005BTC first.

[monbux]

I've seen a senior member scam for a few LTC
Perhaps you can allow collateral if they are newbies

Well, I don't prohibit giving collateral , but if I require it people will come and ask why they should take my loan when they can take out one of the 0% loans with 120% collateral. I think that scammers are already afraid to send me 0.005BTC first.

Why? They would just get 0.095 BTC, it's still scamming and people still do it.  Just be careful

[Kouye]

Why? They would just get 0.095 BTC, it's still scamming and people still do it.  Just be careful

Allow monbux to train you. He's a pro.

[monbux]

Why? They would just get 0.095 BTC, it's still scamming and people still do it.  Just be careful

Allow monbux to train you. He's a pro.

You and your jokes, funny, you can't read..  I've asked you for proof of me scamming,  you've been here so long, it's funny how little you've learned.  Could you please provide the evidence that I scammed?

Or is it yours and ONLY your word?  That's it?

[Kouye]

Could you please provide the evidence that I scammed?

Of course not.
I'm watching, so not easy. And even if you manage to pull one, that'd be the last.
Pretty expensive.
Maybe you should just try and think about some real bitcoin businesses?

[monbux]

Could you please provide the evidence that I scammed?

Of course not.
I'm watching, so not easy. And even if you manage to pull one, that'd be the last.
Pretty expensive.
Maybe you should just try and think about some real bitcoin businesses?

To be honest, I'm just trying to make a couple of bucks.  No scamming, just through gambling (eh, lost more) or doing some free offers,  I'm not tech savvy either.

How about you try to have a go at some real bitcoin business?
you're "gut" feeling is not enough.

[AndrewWilliams]

Could you please provide the evidence that I scammed?

Of course not.
I'm watching, so not easy. And even if you manage to pull one, that'd be the last.
Pretty expensive.
Maybe you should just try and think about some real bitcoin businesses?

Another "psychic" scammer spotter who can't tell his pants from his shirt.

Maybe Kouye should just become a gypsy and call it a day?