Who Pays What?

[PatrickHarnett]

Update 26-Sep-2012: RustyRyan appears to be in default.
Update 28-Aug-2012: Added RustyRyan.  The rating is lower than some of the others because he is new and has a small deposit business, but this will improve over time.
Update 30-Aug-2012: Added vescudero.
Update 2-Sep-2012: Initial credit rating for Namworld and BTC-Bond added.

Disclaimers:
1: This OP is being updated as there are a large number of changes taking place with rates this month (August).
2: all reasonable care has been taken to extract valid information and present it fairly.  Issuers or eagle-eyed users can either post at the bottom of this thread or pm me to advise changes/corrections.  Being listed here is not an endorsement and depositors are expected to undertake their own due diligence before entrusting their coins with someone.

Deposit Takers

User_name	Weekly	Monthly	Since	Credit Rating	Notes	Link
RustyRyan	3.00%	-	28-Jul-12	A-	10 coin/4 week minimum, weekly payout	https://bitcointalk.org/index.php?topic=96163.0
smart/ziggy	-	11.1%	May-11	AA-	Bank book	https://bitcointalk.org/index.php?topic=81357.0
vescudero	1.50%	-	Jun-12	AA-	weekly payments, deposits up to 50BTC	https://bitcointalk.org/index.php?topic=89122.0
Chungenhung	1.36%	6.0%	Jan-12	AA	50 coin minimum	https://bitcointalk.org/index.php?topic=56853.0
Kluge	0.97%	4.25%	Mar-12	AAA	32 day deposit	https://bitcointalk.org/index.php?topic=67446.0

New Deposit Takers

User_name

Weekly

Monthly

Since

Credit Rating

Notes

Link

GLBSE fixed interest instruments  Information currently out of date - being updated 17-Aug-2012

__Issuer__	__Instrument__	Weekly	5-day price	Issued Volume	Verified	Notes	Link
Teek	TEEK.B	3.00%	0.0871	2,000	No	Fixed interest , not guaranteed	https://glbse.com/asset/view/TEEK.B
ChaangNoi	TYGRR.BOND-B	2.00%	0.0990	40,000	No	GLBSE has "blank" contract	https://glbse.com/asset/view/TYGRR.BOND-B
Teek	TEEK.A	0.30%	0.9440	10,000	No	Guaranteed	https://glbse.com/asset/view/TEEK.A
Namworld	BTC-Bond	0.50%	0.0100	12,400	Yes	Fixed interest - C.R. "A-"	https://glbse.com/asset/view/BTC-BOND

Other semi-fixed interest instruments

__Issuer__

__Instrument__

Weekly

Notes

Link

For an excellent table of GLBSE returns/yields, please refer to stochastic's thread in "securities" https://bitcointalk.org/index.php?topic=74711.0

Credit Rating Data
Please note the date on these ratings is quite old - you should make inquiries if they are still applicable as most of these people have significantly changed their businesses in the last two month.

.	.	Liabilities /	Business transaprancy	Liabilities /	Current_liabilities /	Business Size	Business Size	Time in	Weighted	.	.
Who	__When__	monthly income	Assessment	Assets	Liquid_Assets	Funds managed	Customers	"business"	Score	Modifiers	Overall
chungenhung	13-Aug-12	2.00	.	25.0%	80.0%	16000	20	8	.	+0	.
Rating	Scores	6	.	6	5	6	2	5	5	.	AA
Smart/ZiggyStar	13-Jul-12	11.60	Trading/opaque	70.2%	67.5%	8258	20?40	12	.	+2
Rating	Scores	3	2	5	5	5	2	6	4.0	+2	AA-
Ineedausername	22-Jul-12	1.08	.	18.2%	18.6%	35640	.	8	.	+1	.
Rating	Scores	6	.	6	6	6	.	5	5.8	+1	AA+
Kluge	22-Jul-12	7.12	.	45.0%	20.4%	8996	.	7	.	+3	.
Rating	Scores	4	.	6	6	5	.	5	5.2	+3	AAA
RustyRyan	29-Jul-12	1.17	Mining/loans	11.3%	3.8%	350	15	1	.	+2	.
Rating	Scores	6	3	6	6	1	1	0	3.29	+2	A-
vescudero	29-Jul-12	3.02	Opaque	20.7%	36.0%	2550	83	2	.	+2	.
Rating	Scores	5	2	6	6	4	4	1	4	-	AA-
BTC-Bond	02-Sep-12	0.43	Holdings disclosed	2.2%	0.3%	32	3.2	1	.	+2	.
Rating	Scores	6	5	6	6	0	0	0	3	+2	A-

Also reference https://bitcointalk.org/index.php?topic=81542.msg1100627#msg1100627 for some general guidance.
Notes: Some deposit takers use 30-days rather than one month.  The calculation convert weekly to monthly by [(1+r)^(52/12)-1] and similarly, monthly rates are converted back to weekly.

[1713618837]

1713618837

[1713618837]

1713618837

[1713618837]

1713618837

[Justin00]

thanks for that
I was actually looking for all this info today

[DeaDTerra]

You could add Gamma Bitcoin Fund,
https://bitcointalk.org/index.php?topic=74975.0
And use the average profit to calculate the interest rate
//DeaDTerra

[PatrickHarnett]

You could add Gamma Bitcoin Fund,
https://bitcointalk.org/index.php?topic=74975.0
And use the average profit to calculate the interest rate
//DeaDTerra

The initial intention was for straight deposit taking services providing a fixed return.  GBF is more an investment fund and as you note, returns are different each week, but I've had a request to look at GLBSE bonds too (like BDK paying 1%/wk) and I could add Leandro's fund from Brazil which I quite like.  It will take a bit of time to collate.

[DeaDTerra]

You could add Gamma Bitcoin Fund,
https://bitcointalk.org/index.php?topic=74975.0
And use the average profit to calculate the interest rate
//DeaDTerra

The initial intention was for straight deposit taking services providing a fixed return.  GBF is more an investment fund and as you note, returns are different each week, but I've had a request to look at GLBSE bonds too (like BDK paying 1%/wk) and I could add Leandro's fund from Brazil which I quite like.  It will take a bit of time to collate.

Okay, it would be great if you could add GBF, if you need any info that's not already public then just ask I would be more then happy to help you out!
//DeaDTerra

[bitlane]

I'm actually not taking deposits currently..... I am 100% Debt-free/Deposit-Free at the moment.

Too busy trying to get my farm re-worked with all new hardware.

[Justin00]

*edit* nvm. I can't read =)

[Scott J]

Thanks for putting this together, Patrick.

I am planning to deposit 100+ BTC with someone in the next few months, so this is helpful.

It's hard to know who to go for - the higher rates obviously come with increased risks. I guess the best option is to spread the BTC around.

From my limited knowledge so far, I would feel more comfortable going with Patrick. If he offered an increased interest rate for longer-term deposits that would be great.

I'm interested in how difficult it is to get a Pirate referral - would someone give one to a stranger like me, for example?

[DeaDTerra]

Thanks for putting this together, Patrick.

I am planning to deposit 100+ BTC with someone in the next few months, so this is helpful.

It's hard to know who to go for - the higher rates obviously come with increased risks. I guess the best option is to spread the BTC around.

From my limited knowledge so far, I would feel more comfortable going with Patrick. If he offered an increased interest rate for longer-term deposits that would be great.

I'm interested in how difficult it is to get a Pirate referral - would someone give one to a stranger like me, for example?

I would be more then happy to take some of your Bitcoins, you should also support Patrick he is doing good things for the community
Gamma Bitcoin fund has a average profit of 3.4% per week but recent month we have had a profit of 5-8% per week, we spread out investments between a lot of different investments and markets hence we can keep the risks low and profits high.
//DeaDTerra

[chungenhung]

OP.
Not all of mine BTC are with pirate. I have it spreadout to multiple places.
Also, 8% is not my exact rate. It varies depending on each situation.

[PatrickHarnett]

OP.
Not all of mine BTC are with pirate. I have it spreadout to multiple places.
Also, 8% is not my exact rate. It varies depending on each situation.

Hi Chungenhung, I understand that most people with BS&T exposure probably only have a proportion of funds there, and it's a tricky point building it into the table.  It might be useful to have a rough proportion to include, but I also appreciate that it changes (hence the difficulty constructing it in the first place and estimating the guarantee level which people are becoming more interested in.)

Also, I picked 8% as it seemed to be around the middle of what you were offering and I know you ran 10% for some deposits.  If you have a different value you would like me to use, please let me know.

When I thought of constructing this, I didn't know exactly how it would all come out.  I thought Starfish rates were better, but they are not.  I also suspect there is a market for differentiating deposits between BS&T pass-through and guaranteed or reserve backed products.

[ShadowAlexey]

Actually I dont think that it matters where are you putting your funds, It all is about what guaranties you give to people. But in case of pirate it might me interesting to add a percentage of funds which are used for pirate deposits. So those who are 100% will be just passing through, everyone else just tell how they are depending on BS&T and what will happen if it disappears. This could be very interesting info. And by percentage I think that it should be the amount which everyone can get or we could write a range.
PS Pls add info about per week deposits, it starts from 2.5%(and in case of range it`s 12-18% month and 2.5-4% a week)

[PatrickHarnett]

For some people it does matter where the money goes, but the guarantees also count, so it is a combination.  A percentage might be too detailed and likely to change too much.

Also, the table is a simple guide, not trying to capture all of the variations everyone has, mainly the better ones - like your 18%/4% special.  That's why I converted into a monthly rate as the base metric.

Based on a set of simple indicators, people can then go and do their detailed decision making.

[OgNasty]

Don't forget my Loyalty Rewards Program.   

[PatrickHarnett]

Don't forget my Loyalty Rewards Program.   

Maybe I deliberately avoided it - it was complicated when I looked at it last time.  But, yes, nice loyalty rewards.

[Otoh]

Hi Patrick, thanks for this - very useful, how about Smart who has been in operation on the German forum for a while now & recently started to offer on the English one too, no exposure to Pirate & deposited funds are guaranteed
https://bitcointalk.org/index.php?topic=81357.0

[Retard]

@Otoh , thanks.

The German Part of the Forum https://bitcointalk.org/index.php?topic=37320.0 .

The interest will chance every Sunday !
It is paid at the time of investment. Automaticly to your User Account.
After them you can get a reinvest or instant Payout.



English Part of the Webside is http://Https://Mybitcointrade.com/en/


Payouts are Guarantee
Greeting



EDIT  :
To see the correct amount of availability & rates after create a Account plz use this link = https://mybitcointrade.com/en/?content=/sparbuch/sparbuch

[Otoh]

I just filled Smart's current availability of 76.67 coins, note that the rates shown on his home page are out of date, click on Savings to see correct current ones (which are those shown in his post above), his interest rates offered change every Sunday but obviously are fixed & locked in once you take out a saving's plan & the interest is added to your account & available to you at the end of the investment period

[PatrickHarnett]

I just filled Smart's current availability of 76.67 coins, note that the rates shown on his home page are out of date, click on Savings to see correct current ones (which are those shown in his post above), his interest rates offered change every Sunday but obviously are fixed & locked in once you take out a saving's plan & the interest is added to your account & available to you at the end of the investment period

Thanks, and I have another one to add as well (a newish lender/deposit taker) - will update later today.

[OgNasty]

Don't forget my Loyalty Rewards Program.   

Maybe I deliberately avoided it - it was complicated when I looked at it last time.  But, yes, nice loyalty rewards.

I can see how it could be complicated to a guy running a bank.