DireWolfM14's Bitcoin Lending Service - BTC Loans

[DireWolfM14]

DireWolfM14's Bitcoin Lending Service

Please read the Terms of Service before requesting a loan.

Table of Contents

• Available Currency
• Interest Rates
• • Secured Loans
• • Unecured Loans
• Application
• • Sample Application
• Repayment Addresses
• Terms of Service
• Signatures
• Resources
• Lending Activities Log

.
Available Currency:

Coin	|| Limit - Secured	|| Limit - Unsecured
Bitcoin	|| 0.25 BTC	|| 0.05 BTC

.
Interest Rates:

• This lending service operates on Muslim Halal principles.
• The Lender does not charge a fixed or set rate.
• Below are interest rate recommendations for short term (about 30 days) loans only.
• When requesting a loan, you may suggest a fair repayment amount according to your capabilities.
• No-interest loans are available to certain individuals based solely on The Lender's discretion.
• Long-Term loans (over 180 days) with lower annual percentage rates are available for secured loans.

 
.
Secured Loan Interest Rates:
Recommended interest rates for loans secured by valid collateral:

Loan.Duration....	|| Percentage Rate
Up to 14 days	|| 3.5% fixed
15 days and over	|| 0.25% per day

.
Unsecured Loan Interest Rates:
Recommended interest rates for loans not secured by valid collateral:

Loan.Duration....	|| Percentage Rate
Up to 14 days	|| 5% fixed
15 days and over	|| 0.36% per day

.
Application:
To apply for a loan please fill out the following form, sign it with a staked address, and post it in this thread or send it to me via forum PM.
All loans will be posted publicly, but your privacy is important to me.  If you choose to keep your addresses private, please inform me when making your request.  
No loans will be issued based on communication outside this forum.

Code:

Username:
Loan Amount:
Request date:
Repayment Amount:
Repayment date:
Collateral:
Purpose:
Funding Address:

.
Sample Application:

Application has been signed with an address that was staked here.

Code:

-----BEGIN BITCOIN SIGNED MESSAGE-----
Username: DireWolfM14
Loan Amount: .1
Request date: 05 JUL 2023
Repayment Amount: .105
Repayment date: 19 JUL 2023
Collateral: 22 XMR
Purpose: Bitchen Camero
Funding Address: bc1qaj67djtqrehzw56fk24n85ym3y9wulap5tlay2
-----BEGIN SIGNATURE-----
157v67atJjnx7Fdi2wmcBBpChugHNmDWup
IA0fxtrMyh7ZMjmQbz+c6iJKPb+8R+/tqDupH0IJgu7iK7sTPfJ5VW8kjmySytOySBfXEi+fB7Up8wNv2d5Hxcw=
-----END BITCOIN SIGNED MESSAGE-----

.
Repayment Addresses:
Bitcoin: bc1qaj67djtqrehzw56fk24n85ym3y9wulap5tlay2

A unique repayment address will be provided upon request.
Alternate repayment addresses must be signed by me using my staked bitcoin address or PGP key.
.
Terms of Service:

Addendum to TOS:
Additional terms of service (subject to change.)

• Monero (XMR) and Grin Coin (GRIN) will be considered as valid collateral regardless of the coins' exchange listing status.

Full Terms of Service:
Definition of terms:

Person requesting a loan: hereby known as Borrower or The Borrower.
DireWolfM14: hereby know as Lender or The Lender.
Third party Escrow Agent: hereby known as Escrow Agent.
Secured Loan: A loan secured with Valid Collateral valued at a minimum of 120% of the requested loan amount.
Unsecured Loan: A loan not secured by Valid Collateral.

Terms of Service:

1.0) Loan Type:
1.1) Secured Loans:
1.1.1) Secured loans require valid collateral valued at a minimum 120% of the loan amount.
1.1.2) See section 2.0 for qualifications of collateral.
1.2) Unsecured Loans:
1.2.1) Unsecured loans do not require collateral, but offering collateral that does not qualify for secured loans may increase chances for approval.
1.2.2) Acceptance of unsecured loan requests is subject solely to the discretion of The Lender.
1.2.2.1) Acceptance criteria for unsecured loans will not be publicly disclosed.
1.2.3) Unsecured Loan requests are reserved for members that meet all the following criteria:
1.2.3.1) Full Member rank or above,
1.2.3.2) And have earned a minimum of 50 merits,
1.2.3.3) And have earned a minimum of 10 merits within the last 120 days.
1.2.4) Meeting the criteria to apply for an unsecured loan does not guarantee approval.

2.0) Collateral:
2.1) Valid Collateral is subject to the discretion of The Lender.
2.2) Types of collateral:
2.2.1) Cryptocurrency:
2.2.1.1) The value of the cryptocurrency used as collateral must be at minimum 120% of the requested loan amount.
2.2.1.1.1) If, at any time during the duration of the loan the value of the cryptocurrency used as collateral falls below 120% of the loan amount, The Borrower agrees to the following:
2.2.1.1.1.1) The Borrower must add collateral of sufficient value within 48 hours.
2.2.1.1.1.1.1) If The Borrower does not replenish the value of collateral within the allotted time, and the value of the collateral falls below 110% of the loan amount The Borrower grants The Lender authority to sell the collateral.
2.2.1.2) To qualify as collateral for a secured loan cryptocurrency must be listed and traded on a minimum of one (1) of the following exchange(s):
2.2.1.2.1) CoinBase
2.2.1.2.2) Binance
2.2.1.3) Cryptocurrencies not listed and traded on one of the above exchange(s) will not be considered as valid collateral for a secured loan, but may be considered as additional security for an unsecured loan.
2.2.1.4) Cryptocurrency used as collateral will be stored by The Lender on a hardware wallet (when possible) with a secure back-up.
2.2.1.4.1) In the event collateral cannot be stored on a hardware wallet The Borrower will be given the following options:
2.2.1.4.1.1) The Lender shall store the collateral in a secure, encrypted desktop wallet, or
2.2.1.4.1.2) The Lender shall store the collateral in an exchange account secured with a strong unique password and 2FA.
2.2.1.5) Cryptocurrency used as collateral may be held by an Escrow Agent.
2.2.1.5.1) The Escrow Agent must be approved by The Lender.
2.2.1.5.1.1) Approval of the Escrow Agent is subject solely to the discretion of The Lender.
2.2.1.5.1.2) The Lender reserves the right to reject an Escrow Agent for any reason without explanation.
2.2.1.5.2) Escrow fees are at the expense of The Borrower.
2.2.1.6) Upon successful repayment of the loan the collateral will be returned to The Borrower as quickly as possible.
2.2.1.6.1) Transaction fees for the return of collateral are at the expense of The Borrower.
2.2.2) Physical goods:
2.2.2.1) To qualify as collateral for secured loans physical goods must be easily sold for a minimum of 120% of the loan amount.
2.2.2.1.1) Physical goods accepted as collateral:
2.2.2.1.1.1) Precious Metals (i.e. gold, silver, platinum)
2.2.2.1.1.2) Ammunition
2.2.2.1.1.3) New computer hardware (i.e. GPUs, ASICs)
2.2.2.1.1.4) MREs
2.2.2.2) Physical goods held as collateral must be delivered to The Lender at The Borrower's expense.
2.2.2.3) Upon repayment of the loan, collateral will be returned to The Borrower at The Borrower's expense.
2.2.2.4) Acceptance of Physical Goods as collateral is subject solely to the discretion of The Lender.
2.3) Digital assets other than cryptocurrency, such as, but not limited to forum or social media accounts, domain names, websites, gaming credits, YouTube channels, and NFTs are not accepted as collateral.
2.4) The Lender will not accept, nor assume control of forum accounts or social media accounts in lieu of collateral or repayment of a loan.
2.5) The security of The Borrower's collateral will be assumed by The Lender only if The Lender is directly and solely in control of the collateral.
2.5.1) The security of The Borrower's collateral applies only to the prevention of theft or loss of the collateral.
2.5.1.1) The Lender will not assume any responsibility for the devaluation of the collateral due to market fluctuations or events outside The Lender's control.
2.5.1.2) In the even The Lender is in control of The Borrower's collateral The Lender will assume full responsibility for the security of the collateral.
2.5.1.3) In the even an Escrow Agent is in control of The Borrower's collateral The Lender will not be held responsible for the security of the collateral.

3.0) Repayment of loan:
3.1) Repayment addresses:
3.1.1) Bitcoin: bc1qaj67djtqrehzw56fk24n85ym3y9wulap5tlay2
3.2) Upon request a unique repayment address shall be provided.
3.2.1) Alternate repayment addresses must be signed by The Lender using a staked BTC address or PGP key.
3.3) Loans must be repaid no later than 23:59 Pacific Standard Time on the date designated as the repayment date.
3.3.1) Loans not repaid by the designated time are subject to an additional fees.
3.3.2) Loans not repaid within 72 hours of repayment date will be deemed in default.
3.3.2.1) By allowing a loan to default, The Borrower grants The Lender complete and undisputed ownership of the collateral.

4.0) Acceptance criteria:
4.1) Acceptance or rejection of the loan request is subject solely to the discretion of The Lender.
4.2) The Lender reserves the right to deny loan requests to anyone, for any reason or no reason, without explanation.

5.0) Disclaimers:
5.1) Terms of service at the time of loan request shall be considered a contractual agreement.
5.2) Terms of service may change at any time without notice.

6.0) Feedback, Reviews, and Trust:
6.1) Successfully completed loans may or may not result in a neutral review left on The Borrower's trust wall.
6.1.1) The Lender is not obligated to leave a review or any feedback for successfully completed loans.
6.1.2) Defaulted loans will be reported by leaving a negative review for on The Borrower's trust wall.
6.2) Users approved for an unsecured loan will have a neutral review posted on their trust wall for the duration of the loan.

7.0) Application:
7.1) Applications must be signed with a staked bitcoin address.

8.0) Acknowledgement:
8.1) By requesting a loan you, The Borrower, acknowledge your acceptance of these terms.

.
Signatures:

Code:

-----BEGIN PGP SIGNED MESSAGE-----
Hash: SHA256

This is DireWolfM14, today is July 1, 2023
Here is the generic loan repayment addresses for my lending service:
Bitcoin: bc1qaj67djtqrehzw56fk24n85ym3y9wulap5tlay2
-----BEGIN PGP SIGNATURE-----
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=YiJ7
-----END PGP SIGNATURE-----

Code:

-----BEGIN BITCOIN SIGNED MESSAGE-----
This is DireWolfM14, today is July 1, 2023
Here is the generic loan repayment addresses for my lending service:
Bitcoin: bc1qaj67djtqrehzw56fk24n85ym3y9wulap5tlay2
-----BEGIN SIGNATURE-----
157v67atJjnx7Fdi2wmcBBpChugHNmDWup
IEOQa0iwyFLRyXcSa7jIJK2lFu0hY4A/Jp0i+0C35JrncAGVVjESJzBFrHz8jwpdRuhJWwxJiULA+Bz6S5p/9Pw=
-----END BITCOIN SIGNED MESSAGE-----

.
Resources:

PGP Fingerprint: 7EA88068A66DFBCC7CACBBEBE2E0A3A7EAB3CEA5
Staked Bitcoin Address: 157v67atJjnx7Fdi2wmcBBpChugHNmDWup

Other Resources:
Trusted Escrow Providers
How to sign a message?!
Stake your Bitcoin address here


External Resources:
Verify message signed with a bitcoin address.
Verify message signed with a PGP Key.

Self moderated thread:
Spam posts will be deleted;
Posts by unqualified members requesting unsecured loans will be deleted;
Off-topic posts will be deleted.

[1713579109]

1713579109

[1713579109]

1713579109

[1713579109]

1713579109

[1713579109]

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[1713579109]

1713579109

[DireWolfM14]

Lending Activities Log:

#

|| Borrower

|| Loan Date

|| Loan

|| Repayment Address

|| Status

Repayment Addresses:
Bitcoin: bc1qaj67djtqrehzw56fk24n85ym3y9wulap5tlay2

Archives:
Loans 2019 Q4: https://bitcointalk.org/index.php?topic=5207763.msg53285169#msg53285169
Loans 2020 Q1: https://bitcointalk.org/index.php?topic=5207763.msg54177509#msg54177509
Loans prior to July 2023: https://bitcointalk.org/index.php?topic=5207763.msg62488710#msg62488710

Defaulted loans:

#

|| Borrower

|| Loan Date

|| Loan

|| Collateral

|| Due Date

|| Payment

|| Status

[DireWolfM14]

TOS Change Log:

16 April 2019:
Added the following sections: 2.2.1.4.1, 2.2.1.4.1.1, 2.2.1.4.1.2, 2.2.1.5.2, and 3.1.3.

17 April 2019:
Revised section 1.2.3 as follows:
 - Previous version: 1.2.3) Unsecured Loan requests are reserved for members that meet the following criteria:
 - Revised version: 1.2.3) Unsecured Loan requests are reserved for members that meet all the following criteria:
Added section 1.2.4.

24 April 2019
Fix grammatical errors.
Add sections 2.2.1.6, and 2.2.1.6.1.
Section 6.0 revised: was the acknowledgement section, now pertains to feedback, reviews, and trust.
Section 8 added as the new acknowledgement section.

22 August 2019
Added the following sections: 2.5 to address security of The Borrower's collateral.
Revised section 3.1.3.
Added section 3.1.3.1.
Revised section 3.2.
Revised section 5.1 and 5.2.

15 September 2019
Updated repayment addresses:
3.1.1) Bitcoin: 35Q9V11H6v8goJaPepRwRyh8SH4Rk8wrCv
3.1.2) Ethereum: 0x44e39672DedFbe99A1CC7A25dedB6281303FF000

19 October 2019
Updated repayment addresses:
3.1.1) Bitcoin: 348XXjbpXwg37JYd8knLnHRSMajLbteSbJ
3.1.2) Ethereum: 0x78B03f6F5848E4a473BDf8eE81e3f20870Ac70A8

14 March 2020
Updated PGP key.
New fingerprint: 7EA88068A66DFBCC7CACBBEBE2E0A3A7EAB3CEA5
Old fingerprint: 8FE4A7A028980A92143F2E936FC0D490FA1861B8

[DireWolfM14]

Moderation Log:

[Quickseller]

3.1) Repayment addresses:
3.1.1) Bitcoin: 3MiRqZZ3y1dNqWqi4e1jkSYYPprTzns41b
3.1.2) Ethereum: 0x73fF544f3d5B6FE3A40cCD22fAad34fD3837560b

I would suggest providing a unique address for each loan, so there is no question who a payment is from if two people owe you, say 0.05BTC exactly. I have found that many people tend to withdraw money directly from exchanges to my address when they are paying me. You can provide a signed message with a repayment address so the borrower can prove they paid you.

Good luck!

[DireWolfM14]

3.1) Repayment addresses:
3.1.1) Bitcoin: 3MiRqZZ3y1dNqWqi4e1jkSYYPprTzns41b
3.1.2) Ethereum: 0x73fF544f3d5B6FE3A40cCD22fAad34fD3837560b

I would suggest providing a unique address for each loan, so there is no question who a payment is from if two people owe you, say 0.05BTC exactly. I have found that many people tend to withdraw money directly from exchanges to my address when they are paying me. You can provide a signed message with a repayment address so the borrower can prove they paid you.

Good luck!

Thanks for the advice, that's not a bad idea.  I'll add the option for borrowers to request a unique address, it's all going to end up in the same Trezor account anyway. 

[petahasher]

If you want a second set of opinions, your rates seem too high - they will attract more scammers than genuine requests. Especially for the collateralized loans. Just my opinion though.

[DireWolfM14]

If you want a second set of opinions, your rates seem too high - they will attract more scammers than genuine requests. Especially for the collateralized loans. Just my opinion though.

Thanks for the advice, I'll give it some consideration.  I tried to position myself somewhere in the middle of the pack, but I'll do more research to confirm.

ETA: After giving it more consideration and looking at long term ROI, I decided you are right.  I've modified my interest rates.

[Batmanvsduecare]

Username: Batmanvsduecare
Loan Amount: 0.07 BTC
Collateral: None
Repayment date: 01 May 2019
Repayment Amount: 0.08 BTC
Funding Address: bc1qyfl2yr7sr0wsegl2d79ejn7peugkr5p7ed9w02

[DireWolfM14]

Username: Batmanvsduecare
Loan Amount: 0.07 BTC
Collateral: None
Repayment date: 01 May 2019
Repayment Amount: 0.08 BTC
Funding Address: bc1qyfl2yr7sr0wsegl2d79ejn7peugkr5p7ed9w02

Denied. 

1.2.3) Unsecured Loan requests are reserved for member meet the following criteria:
1.2.3.1) Full Member rank or above,
1.2.3.2) And have earned a minimum of 50 merits,
1.2.3.3) And have earned a minimum of 10 merits within the last 120 days.
~
7.1) Applications must be signed with a staked bitcoin address.

[Batmanvsduecare]

Username: Batmanvsduecare
Loan Amount: 0.07 BTC
Collateral: None
Repayment date: 01 May 2019
Repayment Amount: 0.08 BTC
Funding Address: bc1qyfl2yr7sr0wsegl2d79ejn7peugkr5p7ed9w02

Denied.  

1.2.3) Unsecured Loan requests are reserved for member meet the following criteria:
1.2.3.1) Full Member rank or above,
1.2.3.2) And have earned a minimum of 50 merits,
1.2.3.3) And have earned a minimum of 10 merits within the last 120 days.
~
7.1) Applications must be signed with a staked bitcoin address.

Ok

1.2.3) Unsecured Loan requests are reserved for member meet the following criteria:
1.2.3.1) Full Member rank or above,  I am a Full Member
1.2.3.2) And have earned a minimum of 50 merits, I have the 100 Merit
1.2.3.3) And have earned a minimum of 10 merits within the last 120 days.  I can't control that, even good posts don't garantee receiving merit points and asking for Merit in a certain frame time will lead and incite to Merit traffic and buying/selling
~
7.1) Applications must be signed with a staked bitcoin address. Here my Vanitygen old stacked address: 1BatmanNCwnDs58jE8anaHeYQF6cttWTTm

[suchmoon]

1.2.3.2) And have earned a minimum of 50 merits, I have the 100 Merit

That's not earned merit. You got 100 merits in the initial airdrop and earned 0 since then.

7.1) Applications must be signed with a staked bitcoin address. Here my Vanitygen old stacked address: 1BatmanNCwnDs58jE8anaHeYQF6cttWTTm

Perhaps DireWolfM14 should be more specific but I think he expects a signed message.

[Batmanvsduecare]

1.2.3.2) And have earned a minimum of 50 merits, I have the 100 Merit

That's not earned merit. You got 100 merits in the initial airdrop and earned 0 since then.

7.1) Applications must be signed with a staked bitcoin address. Here my Vanitygen old stacked address: 1BatmanNCwnDs58jE8anaHeYQF6cttWTTm

Perhaps DireWolfM14 should be more specific but I think he expects a signed message.

I never said I earned those 100 Merits,I was also pointing that asking for a certain number of Merits in a certain time fram may lead to the creation of a Merit points market which will lead to more scams and do more harm than good.

As for a signed message, here is one from my Vanitygen address 1BatmanNCwnDs58jE8anaHeYQF6cttWTTm:

Message: This is Batmanvsduecare asking for a loan of 0.07 BTC from DireWolfM14 as of April 17, 2019 to be repaid May 1st, 2019.

Address: 1BatmanNCwnDs58jE8anaHeYQF6cttWTTm

Signature: G8mlwz+5pvjgKaPbOTIapa5REGPmkChHlBqKyc5ufKoDcPJp+/31zdOG+QrBMDWtVxLanlurqV5vaDE1u9nvpBk=

[DireWolfM14]

Perhaps DireWolfM14 should be more specific but I think he expects a signed message.

That's correct.  I prefer to have the application signed with an address that was staked some time in the past, even for secured loans.  I've included an example in my OP, and here.  I hope this eliminates any ambiguity.

Application has been signed with an address that was staked here.

Code:

-----BEGIN BITCOIN SIGNED MESSAGE-----
Username: DireWolfM14
Loan Amount: 0.1 BTC
Purpose: Trading
Collateral: None
Repayment date: 23 APR 2019
Repayment Amount: 0.1035 BTC
Funding Address: bc1q2nwf4njwkpeuyycx5a95nj6mf8m45djdk863xs
-----BEGIN SIGNATURE-----
157v67atJjnx7Fdi2wmcBBpChugHNmDWup
IEYQbo8AJynG6hoQqD14aefWHMGVP1ukUM0xX+wFyOlyYXgVd1jQY5hGK8ltt1qG+lfCymKcW3ms6PKpL8OMTxE=
-----END BITCOIN SIGNED MESSAGE-----

@Batmanvsduecare, thank you for your request,  but I'm sorry, you do not qualify for a no-collateral loan from me.

I never said I earned those 100 Merits,I was also pointing that asking for a certain number of Merits in a certain time fram may lead to the creation of a Merit points market which will lead to more scams and do more harm than good.

I seriously doubt my little lending business is going to have any affect on the Merit Market.  

And just to be clear; rank and merit requirements only apply to unsecured (no collateral) loans.  There is no rank or merit requirement for loans secured by collateral.

[Batmanvsduecare]

Perhaps DireWolfM14 should be more specific but I think he expects a signed message.

That's correct.  I prefer to have the application signed with an address that was staked some time in the past, even for secured loans.  I've included an example in my OP, and here.  I hope this eliminates any ambiguity.

Application has been signed with an address that was staked here.

Code:

-----BEGIN BITCOIN SIGNED MESSAGE-----
Username: DireWolfM14
Loan Amount: 0.1 BTC
Collateral: None
Repayment date: 24 APR 2019
Repayment Amount: 0.105 BTC
Funding Address: bc1q2nwf4njwkpeuyycx5a95nj6mf8m45djdk863xs
-----BEGIN SIGNATURE-----
157v67atJjnx7Fdi2wmcBBpChugHNmDWup
H8Iuti21qXdcWCik66wSw1lg8jSlhqzyfHUJjC5d2haNQB73pzvlUiT6OphloxJlJguuRbfMonJdWAfRXSToqZ0=
-----END BITCOIN SIGNED MESSAGE-----

@Batmanvsduecare, thank you for your request,  but I'm sorry, you do not qualify for a no-collateral loan from me.

I never said I earned those 100 Merits,I was also pointing that asking for a certain number of Merits in a certain time fram may lead to the creation of a Merit points market which will lead to more scams and do more harm than good.

I seriously doubt my little lending business is going to have any affect on the Merit Market.  

And just to be clear; rank and merit requirements only apply to unsecured (no collateral) loans.  There is no rank or merit requirement for loans secured by collateral.

I could have waited a week or 2 before applying, found some Merit sellers to meet your requirements, asked for a loan and got it.
Also as I said even excellent posts don't necessarly get Merit, the way I see it happening it's more people who know each other who give Merit, very rarely did I see a post that desrves it get one.

I seriously doubt my little lending business is going to have any affect on the Merit Market. 

Yes, but if others copy you, it will have a snowball effect, remember how many sold accounts were used for scams in loans and other activities.

[Quickseller]

I could have[...]found some Merit sellers to meet your requirements,

This would not be a good idea.

[DireWolfM14]

I could have waited a week or 2 before applying, found some Merit sellers to meet your requirements, asked for a loan and got it.

Like suchmoon pointed out, you have earned 0 merits, so you would have bought 50 merit points just to apply?  You must realize I can still deny you a loan even if you meet all the criteria to apply, right?

[condoras]

Well, i just want to welcome you onboard the lending section, as new fellow lender, and wish you the best.
Btw nice, simple and comprehensive thread, small font on TOS or i need glasses!

@Batmanvsduecare: Pushing/pressing someone to grand you a loan, doesn't sound/look good and possible will have the opposite outcome.
Especially when you admit that you will pay/bribe, in order to meet the lender's requirements...

P.S: Sorry for my late "welcome" post...

[HiDevin]

Well, i just want to welcome you onboard the lending section, as new fellow lender, and wish you the best.
Btw nice, simple and comprehensive thread, small font on TOS or i need glasses!

@Batmanvsduecare: Pushing/pressing someone to grand you a loan, doesn't sound/look good and possible will have the opposite outcome.
Especially when you admit that you will pay/bribe, in order to meet the lender's requirements...

P.S: Sorry for my late "welcome" post...

Imo this needs a neutral rating at least for trying to pressure a loan lol, and saying that he could have bought merits to meet the requirements ( it's like account buying/selling )

[DireWolfM14]

small font on TOS or i need glasses!

Don't forget to read the fine print!

Thanks for the warm welcome.